Transitioning at Age 65
If you’re on an ACA Marketplace plan and approaching 65, you’ll need to transition to Medicare.
Transitioning at Age 65
If you’re on an ACA Marketplace plan and approaching 65, you’ll need to transition to Medicare.
Important: Avoid Overpaying
Once you’re eligible for Medicare:
- You typically lose eligibility for Marketplace subsidies
- Keeping your ACA plan can become very expensive
When to Switch
You should enroll in Medicare during your Initial Enrollment Period:
- Starts 3 months before your 65th birthday
- Ends 3 months after
How the Transition Works
- Your Marketplace plan should be canceled when Medicare begins
- You’ll choose between:
- Medicare Supplement + Part D
- Medicare Advantage
Common Mistake
Keeping both plans too long and paying for duplicate coverage.
What We Do
We guide you step-by-step to ensure a smooth transition with no gaps, no penalties, and no wasted money.
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