What if I have Medicare?



Medicare isn’t part of the Health Insurance Marketplace, so you don’t need to do anything. If you have Medicare, you’re considered covered.

The Marketplace won’t affect your Medicare choices or benefits. No matter how you get Medicare, whether through Original Medicare or a Medicare Advantage Plan (like an HMO or PPO), you won’t have to make any changes.

Note: The Marketplace doesn’t offer Medicare supplement (Medigap) insurance or Part D drug plans.

If you have only Medicare Part B

If you have only Medicare Part B, you are not considered to have minimum essential coverage. This means you may have to pay the penalty that people who don't have coverage may have to pay.

If you have Medicare Part A only, you are considered covered. If you have both Medicare Part A and Part B, you are also considered covered.

Expanded Medicare benefits for preventive care, drug coverage

  • Medicare benefits have expanded under the health care law – things like free preventive benefits, cancer screenings, and an annual wellness visit.
  • You can also save money if you’re in the prescription drug “donut hole” with discounts on brand-name prescription drugs.

More Medicare details

  • Medicare’s Open Enrollment Period (October 15-December 7) hasn’t changed.
  • To learn more about your Medicare coverage and choices, visit Medicare.gov.
  • If you have family and friends who don’t have health insurance, or if they want to explore new health plan options, tell them to visit HealthCare.gov.