Senior Citizen  People age 50 to 64 often have difficulty obtaining health care coverage because carriers may consider age and health condition when determining whether to issue a policy. People age 65 who have worked for at least 10 years, or their spouses, generally qualify for Medicare, the federal health insurance program for seniors. Seek coverage through your employer Identify options if you are recently unemployed Locate other group coverage Identify government-sponsored programs Purchase individual private insurance, including long term care Find low-cost health services available Back to Finding Insurance That Is Right for You