Transitioning From Marketplace Insurance to Medicare

Turning 65? Your Guide to Moving From ACA Health Plans to Medicare

Transitioning to Medicare can be confusing. JRF Services simplifies the path from ACA Marketplace plans to Medicare enrollment.

Can I keep my ACA Marketplace health insurance plan once I turn 65?

Once you become eligible for Medicare (usually when you turn 65), you are generally no longer eligible to receive federal premium tax credits or subsidies for a Marketplace plan. While you can legally keep a Marketplace plan, paying full price without subsidies makes it incredibly expensive. It is almost always in your financial best interest to transition smoothly into Medicare.

When should I start planning my transition to Medicare?

You should begin reviewing your options at least 3 months before your 65th birthday. This marks the start of your 7-month Initial Enrollment Period (IEP). Transitioning requires careful timing so that your Marketplace plan ends exactly when your Medicare coverage begins, ensuring you never experience a dangerous gap in coverage.

How does JRF Services simplify the Medicare onboarding process?

James Rochelle is a fully licensed broker for both ACA plans and Medicare. Our comprehensive onboarding platform provides:

• Comprehensive Needs Analysis: To evaluate your changing health priorities.

• Side-by-Side Quoting: Comparing monthly premiums, maximum out-of-pocket limits, and copays.

• Ancillary Tracking: Ensuring you maximize extra benefits like dental, vision, hearing, and short-term care.