i would need more information about your situation but it sounds like you might be eligible for medicare but haven't worked enough consecutive years to receive part a at no cost. if that's the case you can still qualify for medicare coverage you'll just have to pay a premium for it. i suggest you contact your state health insurance assistance programs (ships): shipnpr. shiptalk. org or call 800-677-1116.
i am 69 but not eligible for medicare due to lack of credits. is there a health insurance plan for my age group?