Can I get Obamacare if my husband is on Medicare?
Asked by: Madisen Little | Last update: March 13, 2025Score: 5/5 (50 votes)
What happens when one spouse goes on Medicare and the other isn't eligible?
If you are enrolling in Medicare coverage and your spouse is younger than 65 and does not meet one of the Medicare eligibility exceptions (such as a disability or chronic condition), they will need to secure their own insurance coverage until they reach the age requirement for Medicare.
Can you get Obamacare if you are on Medicare?
If you have Medicare coverage, you can't enroll in a Marketplace health or dental plan.
Does spouse social security count as income for Obamacare?
The HealthCare.gov application asks whether consumers receive “Social Security benefits.” When answering this question, consumers must report the following Social Security benefits: SSDI, Social Security retirement income, and Social Security survivor's benefits.
Can I get Obamacare if my spouse has insurance?
If your spouse's plan offers coverage to spouses and dependents, in most cases you won't qualify for premium tax credits and other savings on a Marketplace plan. If your spouse's job-based insurance doesn't cover spouses and dependents, then you can buy a Marketplace plan for you and your dependents.
Can My Spouse Get Obamacare, if I’m Going on Medicare? #insurance #medicare #healthinsurance
Who is not eligible for Obamacare?
Must live in the United States. Must be a U.S. citizen or national (or be lawfully present). Learn about eligible immigration statuses. Cannot be incarcerated in prison or jail.
Can I get Obamacare if I am over 65?
Yes, in general, people age 65 or older who are not entitled to premium-free Medicare can purchase health insurance coverage in the Marketplace (except undocumented immigrants).
What is the best secondary insurance if you have Medicare?
- Best for extra plan benefits: Humana.
- Best for straightforward coverage: State Farm.
- Best for extensive medical care coverage: AARP by UnitedHealthcare.
- Best for a range of Medigap plans: Blue Cross Blue Shield.
What disqualifies you from the premium tax credit?
For tax years other than 2021 and 2022, if your household income on your tax return is more than 400 percent of the federal poverty line for your family size, you are not allowed a premium tax credit and will have to repay all of the advance credit payments made on behalf of you and your tax family members.
What are the biggest mistakes people make with Medicare?
Choosing the right Medicare plan can be confusing, and it's difficult to decipher all the language written into these plans and options. Medicare mistakes to avoid include missing your initial enrollment period, signing up for the wrong coverage, not paying your premiums, and assuming your spouse is covered.
Does Medicare cover a spouse who is not 65?
Except in certain circumstances relating to disability, Medicare is unavailable to those under age 65 years. A person receiving Social Security Disability Insurance (SSDI) automatically receives Medicare Part A and Part B after receiving SSDI benefits for 24 months.
What if I do nothing during Medicare open enrollment?
Do I need to do anything during the Medicare Open Enrollment period? No, you do not need to do anything during the Medicare Open Enrollment period if you like your current Medicare Advantage plan, as long as it continues to be offered the following year.
Does Obamacare check income?
When you fill out a Marketplace application, you'll need to estimate what your household income for the year. Marketplace savings are based on your expected household income for the year you want coverage, not last year's income. You'll be asked about your current monthly income and then about your yearly income.
Can I refuse health insurance from my employer and get Obamacare?
Obamacare is available to everyone, whether or not their employers offer insurance. From a practical standpoint, though, there are financial consequences to doing this. Often, an employer subsidizes part or all of their employees' coverage.
Why are people leaving Medicare Advantage plans?
But there are trade-offs. Medicare Advantage plans often have a limited network of hospitals and physicians. And while the premiums are typically low, enrollees could end up paying more in the long run in copays and deductibles if they develop a serious illness.
Can you have Medicare and marketplace insurance at the same time?
The Marketplace doesn't affect your Medicare choices or benefits. This means no matter how you get Medicare, whether through Original Medicare or a Medicare Advantage Plan, you don't have to make any changes.
What are the 6 things Medicare doesn't cover?
- Eye exams (for prescription eyeglasses)
- Long-term care.
- Cosmetic surgery.
- Massage therapy.
- Routine physical exams.
- Hearing aids and exams for fitting them.
What is the best medicare plan that covers everything for seniors?
Original Medicare with Medigap likely offers the most comprehensive coverage, but it may also be the most costly. A person can consider their income and how much they are able to spend before choosing a Medicare plan. Original Medicare with Medigap also offers a lot of flexibility when choosing a doctor or specialist.
When can a spouse claim spousal Medicare benefits?
Qualifications for my under 65 spouse to get Medicare
To qualify for Medicare, your spouse must be age 65 or older. If your spouse is under the age of 65, he or she could only qualify for Medicare by qualifying disabilities.
Can I get Obamacare if I am on Social Security?
Are my Social Security benefits counted in determining my eligibility for subsidies in the Marketplace? Yes, Social Security benefits are counted as income in determining eligibility for premium tax credits in the Marketplace.
Who is exempt from Obamacare?
If you're seeking an exemption because you can't afford coverage, you're a member of a federally recognized tribe, you're incarcerated, or you participate in a recognized health care sharing ministry, you have two options: The exemptions can be claimed when you complete your federal tax return.
Can you be turned down for Obamacare?
No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started. Once you're enrolled, the plan can't deny you coverage or raise your rates based only on your health.