You need to take action to end your Marketplace coverage.
We periodically check Medicare and Marketplace enrollment to be sure the people on your application have the correct coverage and are still eligible for savings. If you have Medicare and don’t end your Marketplace coverage when your Medicare coverage starts, we’ll send you a letter.
Once Medicare Part A (Hospital Insurance) or Medicare Advantage (Part C) coverage starts, you no longer qualify for the premium tax credit or other savings for Marketplace coverage.
Based on what you chose to happen for people who get Medicare when you applied for Marketplace coverage, we’ll end either:
- The premium tax credit and cost savings for those people—They’ll keep Marketplace coverage but have to pay full price.
- Marketplace coverage for those people—Others on your application will keep their coverage.
We’ll also re-check the amount of premium tax credit and cost savings for the others with Marketplace coverage.
Actions if you have Medicare:
- Log into your Marketplace account and let us know if the people on your application have Medicare. Check the “Marketplace & Medicare coverage” section of the Application Details page. This section may also show you a date you need to act by.
- Cancel or update coverage based on your situation:
- If everyone is enrolled in Medicare: End Marketplace coverage for all.
- If no one is enrolled in Medicare: Update your application. You can report or change an upcoming Medicare start date or confirm that you still need Marketplace coverage.
- If at least one person has Medicare: Update your application to report the Medicare coverage and end Marketplace coverage for the people who have Medicare. This will help you re-enroll others with an updated premium amount.
Get step-by-step instructions (PDF, 1.67 MB) on how to update your application or cancel your coverage depending on your situation. Answer a few questions to get more details about cancelling your coverage.
How do I know I’ve completed the necessary actions?
If you go to the “Marketplace & Medicare coverage” section of your Application Details page, you'll see this message: “Our records show that you’ve resolved this issue. You don’t need to do anything else at this time.”
Sign up for Part B when first eligible
If you have Medicare Part A and don’t pay a premium for it, generally you’ll want to enroll in Medicare Part B (Medical Insurance) when you’re first eligible to avoid paying a monthly late enrollment penalty. You’ll pay the Part B penalty for as long as you have Part B and it goes up the longer you wait to sign up.
If you have Part A but haven’t signed up yet for Part B, consider signing up as soon as possible. To make sure you don’t have a gap in coverage, end your Marketplace coverage once your Part B coverage starts.
Get details about signing up for Medicare based on your situation and when coverage starts.
Where can I get help?
Call the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325). Or you can find in-person help near you.