What demographic primarily utilizes Medicare?

• A. People under 18
• B. People aged 65 and older
• C. Individuals with temporary disabilities
• D. Low-income families with children

Answer: (B)

The primary demographic utilizing Medicare is individuals aged 65 and older, making option B the correct choice. Medicare was established in 1965 primarily to provide health insurance for this age group as they often face increased healthcare needs associated with aging.

While Medicare does cover certain younger individuals with disabilities—such as those who are eligible due to permanent disabilities after receiving Social Security Disability Insurance (SSDI) for 24 months—this is not its primary demographic. Similarly, individuals under 18 generally do not use Medicare, as they are more likely to be covered by Medicaid or private insurance plans tailored for children. Low-income families with children are also typically served through Medicaid rather than Medicare. Hence, option B accurately reflects the main group that benefits from Medicare coverage.