What is Medicare primarily designed for?

Medicare is primarily designed as a federal health insurance program that provides coverage mainly for individuals aged 65 and older. It also extends to certain younger individuals who have disabilities or specific medical conditions, such as End-Stage Renal Disease or Amyotrophic Lateral Sclerosis (ALS). This foundational structure addresses the healthcare needs of older adults, acknowledging that they often face higher medical costs and require more significant access to healthcare services.

The focus on this age group ensures that seniors receive necessary healthcare benefits, which can significantly help manage out-of-pocket expenses and provide them with necessary medical care. The program is a critical component of the United States' social safety net, aiming to ensure that older adults and certain disabled individuals can access essential medical services without facing financial hardship.