Medicare & the Marketplace

The Health Insurance Marketplace is designed to help people who don’t have any health coverage. If you have health coverage through Medicare, the Marketplace won’t have any effect on your Medicare coverage.

The Marketplace won’t affect your Medicare choices or benefits. No matter how you get Medicare, whether through Original Medicare or a Medicare health plan, you won’t have to make any changes. Learn about the 5 ways the Affordable Care Act affects people with Medicare.

The Marketplace provides new health coverage options for many Americans. If you have family and friends who don’t have health coverage, tell them to visit HealthCare.gov to learn more about their options.

You don’t need to do anything with the Marketplace during Open Enrollment.

Medicare’s Open Enrollment isn’t part of the Marketplace. 

Medicare Open Enrollment (October 15–December 7) is the time when all people with Medicare are encouraged to review their current health and prescription drug coverage, including any changes in costs, coverage, and benefits that will take effect next year. If you want to change your coverage for next year, this is the time to do it. If you’re satisfied that your current coverage will continue to meet your needs for next year, you don’t need to do anything.  

If you have Medicare, make sure that you’re reviewing Medicare plans and not Marketplace options. To review Medicare plans, use the Plan Finder.

Does Medicare coverage meet the Affordable Care Act’s requirement that all Americans have health insurance?

If you have Medicare Part A (Hospital Insurance), you’re considered covered and won’t need a Marketplace plan. Having Medicare Part B (Medical Insurance) alone doesn’t meet this requirement.

What if someone tries to sell me a Marketplace plan?

It’s against the law for someone who knows that you have Medicare to sell you a Marketplace plan.

The Medicare Open Enrollment period is a time when there’s a higher risk for fraudulent activities. Learn how to prevent, spot, and report fraud.