Can you get Obama Care if you have Medicare?
Asked by: Summer Zulauf | Last update: January 10, 2026Score: 4.3/5 (46 votes)
Can I have Medicare and Obamacare at the same time?
Can I keep my Marketplace plan if I have Medicare? Yes, but you'll pay full-price for it. And, your insurance company might end your Marketplace coverage. It's against the law for someone who knows you have Medicare to sell you a Marketplace plan.
Can you get Obamacare if you are eligible for Medicare?
If you have Medicare coverage, you can't enroll in a Marketplace health or dental plan.
Who is not eligible for Obamacare?
You are not eligible for Obamacare if: You do not live in the U.S. You are incarcerated. You are not a U.S. citizen, U.S. national, or lawfully present noncitizen in the U.S.
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).
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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.
What is the best health insurance for seniors on Medicare?
Best Medicare Supplement: AARP/UnitedHealthcare. AARP/UnitedHealthcare is the best company for Medigap plans in 2025. For most people, the best company for Medigap coverage is AARP/UnitedHealthcare. Medicare Supplement (Medigap) plans cover many of the costs that you usually pay if you have regular Medicare.
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 I drop Medicare and get Obamacare?
Can I drop my Medicare coverage and choose a Marketplace plan? Generally, no. Once you apply for Medicare, your Medicare coverage will end one year after you stop getting regular dialysis or 36 months after a successful kidney transplant. However, you may withdraw your original Medicare application.
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.
Do I need private insurance if I have Medicare?
Why would I need more health insurance if I have Medicare? It's important to understand that Original Medicare, Part A and Part B, doesn't include most prescription drug coverage. If you'd like Medicare prescription drug coverage, you can get it from a private health insurance company that contracts with Medicare.
Are Medicare recipients eligible for Obamacare?
Medicare isn't part of the Health Insurance Marketplace ®, so if you have Medicare coverage now you don't need to do anything. The Marketplace won't affect your Medicare choices or benefits.
Can I have both Medicaid and Obamacare?
Keeping both Marketplace and Medicaid and CHIP
If you have qualifying health coverage through Medicaid or CHIP coverage, you'll pay full price for your Marketplace plan premium and covered services.
How does Obamacare affect Medicare?
It's important to note that individuals who are eligible for both Medicare and Obamacare (dual eligibles) can have both types of coverage, with Medicare coverage being the primary payer. This allows them to access the benefits of both programs and ensure comprehensive healthcare coverage.
Does social security count as income for Obamacare?
Include both taxable and non-taxable Social Security income. Enter the full amount before any deductions. Include all unemployment compensation that you get from your state.
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.
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.
Is Obamacare worth it?
Proponents of the health care legislation, frequently referred to as Obamacare, have called it a historic political achievement and landmark legislation that reformed the US health care system by lowering health care costs, making health care more affordable, and protecting consumers.
What is the average deductible for Obamacare?
KFF also reported the average 2024 deductible for marketplace plans sold via HealthCare.gov, (combined for medical and prescription drugs) by metal rating: $7,258 for Bronze plans, $5,241 for Silver plans, $1,430 for Gold plans, and $97 for Platinum plans.
What is a good insurance to go with Medicare?
Why are people leaving Medicare Advantage plans?
Key takeaways: People leave Medicare Advantage plans because out-of-pocket costs vary between plans, network restrictions can cause frustration, prior authorization requests can delay care, and it can be difficult to use the additional benefits they provide.
Who has the cheapest insurance for seniors?
Our research found that Auto-Owners, Travelers, Geico, USAA and Nationwide may be the cheapest car insurance companies for seniors based on average rates from Quadrant Information Services. Rates provided are for a 70-year-old driver with a clean driving record.