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Health coverage for retirees

If youโ€™re retired and need health coverage, you can use the Marketplace to buy an insurance plan.
If you have retiree health coverage, you have different choices to consider.
Notice:
Have Medicare? Learn about Medicare and the Marketplace.

If you retire before age 65 without health coverage

If you retire before youโ€™re 65 and lose your job-based health plan when you do, you can use the Health Insurance Marketplaceยฎ to buy a plan.
Losing health coverage qualifies you for a Special Enrollment Period. This means you can enroll in a health plan even if itโ€™s outside the annual
.
If you want to enroll because you lost your job-based coverage, see our Special Enrollment Period page for more information.
When you fill out a Marketplace application, you'll find out if you qualify for a private plan with premium tax credits and lower out-of-pocket costs. This will depend on your income and household size.
Youโ€™ll also find out if you qualify for free or low-cost coverage through the Medicaid program in your state.

If you have retiree health benefits

If you have retiree coverage and want to buy a Marketplace plan instead, you can. But:
  • You canโ€™t get premium tax credits and other savings based on your income. This is true only if youโ€™re actually enrolled in retiree coverage. If youโ€™re eligible for but not enrolled in retiree coverage, you may qualify for premium tax credits and lower out-of-pocket costs based on your household size and income.
  • If you voluntarily drop your retiree coverage, you wonโ€™t qualify for a
    to enroll in a new Marketplace plan. You wonโ€™t be able to enroll in health coverage through the Marketplace until the next Open Enrollment period.

More answers: Coverage for retirees without Medicare

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