 [ Symptoms ] i have a sister who is not 69 years old and not eligible for medicare because she does not have the work credits her income is approximately 17 000 a year what type of low cost medical insurance will she be eligible for [ Disease ] even people without enough work credits are eligible for medicare they just have to pay for part a whereas those with about 10 years of work history do not because they have already paid into the system via taxes there are medicare savings programs that help people with low incomes cover the cost of medicare check this page on medicare gov for more information