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A federal health insurance program for people 65 and older and certain younger people with disabilities. It also covers people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).
Refer to glossary for more details.
Part A (Hospital Insurance) or Medicare Advantage (Part C), you should end your Marketplace coverage.
You can't get savings on your Marketplace plan
Premium A monthly amount you pay for coverage whether you get services or not.
or
Out-of-pocket costs Costs you pay when you get a service covered by your plan (like deductibles, co-pays, and coinsurance) plus all costs for any items not covered by your plan.
once you're eligible for Medicare Part A, or once your Medicare Part A or Medicare Advantage (Part C) coverage starts. You'll have to pay full price for your Marketplace plan.
Sign up for Medicare when you're first eligible
Your first chance to sign up for Medicare (called your "Initial Enrollment Period") is usually when you turn 65. It lasts for 7 months, starting 3 months before you turn 65, and ending 3 months after you turn 65.
You may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease).
Warning:
If you miss your Initial Enrollment Period, you may have to wait to sign up. You may also have to pay monthly late enrollment penalties that go up the longer you wait.
Marketplace coverage doesn’t end automatically when Medicare starts. Update your Marketplace application to end Marketplace coverage for those starting Medicare. You can report a Medicare start date on your application up to 3 months before Medicare starts. After you submit your application update, make sure you confirm the plan for others in your household who need to keep their Marketplace coverage.
Warning:
Avoid paying back the premium tax credit
If you don't end your Marketplace coverage and qualified for the premium tax credit, you may have to pay back some or all of the premium tax credit you used when you file your federal taxes.
Marketplace coverage doesn't lower your out-of-pocket costs in Medicare. Medicare offers:
Options to get more coverage — prescription drug coverage and extra benefits, like vision, hearing, dental, and more. Discover Medicare coverage options.