Medicare and the Marketplace

If you have Medicare

Medicare isn’t part of the Health Insurance Marketplace, so if you have Medicare coverage now 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.

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

If you have only Medicare Part B

If you have Medicare Part A (Hospital Insurance), you’re considered covered under the health care law and don’t need a Marketplace plan.

But having only Medicare Part B (Medical Insurance) alone doesn’t meet this requirement.

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

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 annual Open Enrollment Period (October 15-December 7) hasn’t changed.
  • To learn more about your Medicare coverage and choices, visit Medicare.gov.

More answers