The Health Insurance Marketplace is designed for people who don’t have health coverage. If you have health coverage through Medicare, the Marketplace doesn't affect your Medicare choices or benefits. This means that no matter how you get Medicare, whether through
, you won’t have to make any changes to your current Medicare coverage. If you have family and friends without health coverage, point them to HealthCare.gov to learn about enrolling through the Marketplace.
If I have Medicare, do I need to do anything with the Marketplace during Medicare's Open Enrollment?
No. Medicare’s Open Enrollment isn’t part of the Marketplace.
During the Medicare Open Enrollment Period (October 15–December 7), you can review your current Medicare health and prescription drug coverage to see if it still meets your needs. Take a look at any cost, coverage, and benefit changes that'll take effect next year. If you want to change your coverage for next year, do so during this time. If you feel 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, not Marketplace ones.
What if I already have Medicare, and 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.
What if I already have a Marketplace plan, and I will be 65 soon?
Once you’re eligible for Medicare, you’ll have an Initial Enrollment Period to sign up. For most people, the Initial Enrollment Period starts 3 months before their 65th birthday and ends 3 months after their 65th birthday month.
Once your Medicare Part A coverage starts, you won’t be eligible for a premium tax credit or other savings for a Marketplace plan. If you kept your Marketplace plan, you’d have to pay full price. For this reason, in most cases, you’ll want to end your Marketplace coverage once you’re eligible for Medicare.
Learn more about transitioning from the Marketplace to Medicare.