Does Marketplace (ACA) Coverage Affect Medicare Enrollment?
Marketplace coverage does not count as employer coverage for delaying Medicare Part B. When you become eligible for Medicare, you should enroll — Marketplace subsidies end when you qualify for premium-free Part A.
Frequently Asked Questions
- Do I lose my Marketplace subsidy when I turn 65?
- You lose subsidy eligibility when you qualify for premium-free Part A, even if you haven't enrolled yet. You should transition to Medicare to avoid paying full Marketplace premiums.
- Can I keep my Marketplace plan with Medicare?
- You can technically keep it, but it's generally not recommended. You won't get subsidies, and you may face Part B penalties if you delay enrollment.
- When should I cancel my Marketplace plan?
- Coordinate the cancellation with your Medicare Part B start date so there's no gap in coverage. Typically, cancel effective the month your Medicare begins.