Which U.S. health insurance program is primarily for individuals aged 65 and older?

• A. Medicaid
• B. Private health insurance
• C. Medicare
• D. Premium plan

Answer: (C)

Medicare is the U.S. health insurance program designed primarily for people aged 65 and older. It provides core coverage for hospital stays (Part A) and medical services (Part B), with options to add prescription drug coverage (Part D) or enroll in Medicare Advantage plans (Part C) for additional benefits. The age 65 eligibility mark is a defining feature, though younger individuals with certain disabilities or End-Stage Renal Disease can also qualify.

Medicaid, by contrast, is a needs-based program for low-income individuals of any age, and many seniors rely on it in combination with Medicare. Private health insurance is not the standard program focused on older adults, though some people may have private plans alongside Medicare. A “premium plan” isn’t a recognized, specific U.S. health program for the elderly.