What is the purpose of Medicare?

Medicare serves a vital role as a federal health insurance program primarily established to assist individuals who are aged 65 or older. This program provides coverage for various health-related costs, including hospital stays, outpatient services, and certain preventive services, thus ensuring that older adults have access to necessary medical care as they age.

Additionally, Medicare can also cover some younger individuals with disabilities or specific medical conditions, which is where the misconception might arise regarding its scope. However, its main focus remains on the 65-and-older population, making it essential for supporting the health and well-being of seniors. The existence of this program reflects an important aspect of social safety nets in healthcare for older Americans.

Other options such as a federal program for those under 65 or a state-specific program for low-income individuals refer to different systems, like Medicaid, which caters to a different demographic. A private health insurance plan for families also does not align with the structure or purpose of Medicare, further clarifying the uniqueness of Medicare's mission.