Retired persons may be able to get an affordable health insurance plan through the insurance marketplace. Connected to marketplace, you can now find out if you qualify for private plans and low-cost ACA plan coverage.

Plans for retirees under age 65

If you retire before age 65 and lose a job-based health plan, you can use to quote and enroll yourself in an affordable health plan.

Losing health coverage qualifies you for a Special Enrollment Period. This means you can enroll in a health plan even if it’s outside the annual open enrollment period.

When you fill out an 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 income and household size.

Retirees with Health Benefits

If you have retiree coverage and want to buy a marketplace plan instead, you can do so, however:
  • You would not qualify for premium tax credits and other savings based on income. This is true only if you are actually enrolled in retiree coverage. If eligible for retiree coverage but not enrolled, you may still qualify for premium tax credits and lower out-of-pocket costs based on household size and income.
  • If retiree coverage is voluntarily dropped, you will not qualify for a Special Enrollment Period.
To find plans for which you qualify, submit an application in minutes via

More Answers to Retiree Questions

What if I turn 65 in the middle of the year? Can I get coverage to carry me over until I’m eligible for Medicare?

You, the retiree, can get a marketplace plan to cover yourself before Medicare begins. You can cancel the Marketplace plan once Medicare coverage starts.

What if I’m 65 or older but not eligible for Medicare?

You may qualify for a Marketplace plan and get lower costs on monthly premiums and out-of-pocket costs based on your household size and income. Find out through

Do IRA or 401k withdrawals count as income? Generally, yes. Learn more about reporting income from retirement savings funds from the IRS 1040 Instructions on pages 24 and 25.

Can I drop COBRA and get marketplace coverage instead and still qualify for lower costs based on income?

It depends.

  • If the COBRA coverage runs out outside Open Enrollment, you qualify for a Special Enrollment Period. This means you can enroll in a Marketplace plan outside the annual Open Enrollment Period.
  • But you can’t choose to drop COBRA coverage outside Open Enrollment and enroll in a Marketplace plan instead. The Special Enrollment Period applies only if COBRA coverage runs out.
  • During the annual Open Enrollment Period, retirees can drop COBRA coverage even if it’s not running out and replace it with a Marketplace plan.

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