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dp8086
Contributor ⭐
September 10, 2024

On Medicare Part A (not B) and husband's (62) work insurance, layed of now what?

  • September 10, 2024
  • 6 replies
  • 2830 views

  I'm (69) on premium free medicare  part A (not part B) and my husband's work insurance. My husband was let go and will need to get insurance soon. He is 62.

 

Can we get an ACA plan that covers us both (and not get Part B for me)?. 

 

What happens when he applies for Social security later? I assume we lose the ACA insurance, right?

 

Thanks!

Karen

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    6 replies

    GailL1
    GailL1
    Community Champion ⭐⭐⭐
    September 10, 2024

    Your husband can get an ACA plan but not you since you are eligible for Medicare - you just need to sign up for Part B and then pick how you want to get your Medicare - Traditional or Medicare Advantage and then get a prescription drug plan.  This action by you is time sensitive -  

    You can be eligible for a Special Enrollment Period so that your new Medicare plan can start right away at the beginning of the next month after you apply.  

     

    Since you are eligible for Medicare, the government will not subsidize the premiums for any ACA plan for you - Your husband can keep the ACA plan until he is eligible for Medicare at age 65.  

     

     

    IT‘S ALWAYS SOMETHING . . . . .. . . . Roseanne Roseannadanna
    L
    LG322302
    Contributor ⭐⭐
    September 10, 2024

    That's why Medicare is such a scam.  Over priced, no choices, no options and it doesn't pay for anything. If those 65 and older were allowed to sign up for the aca or medicare and the government contributed toward the aca subsidy whatever they would pay toward Medicare, you would have the option of choosing whichever works best for you and maybe stand a chance of actually being able to afford care when you need it.

    DirkB349973
    DirkB349973
    Conversationalist ⭐
    September 10, 2024

    My experience with Medicare is different than yours. My Medicare + supplemental + drug plan is cheaper and has better coverage than the high deductible plan I had before retirement. I'm very satisfied with Medicare.

    WebWiseWoman
    WebWiseWoman
    Community Champion ⭐⭐⭐
    September 10, 2024

    Hello, dp,

     

    One other point to consider is after finding if he qualifies for ACA, if he does not, check the COBRA (Continuation of Health Coverage - for his job health plan) premium vs your Medicare Part B premium. Based on both your health history and current experience, COBRA may be less expensive and tide you over until he reaches 65 and qualifies for Medicare.

     

    I did not consider this before I signed up for Part B which is astronomical, imho, and will forever regret that.

     

    Also, when he finds new employment, he should be able to cancel COBRA.

     

    Good luck with his job hunt (remind of the resources available through AARP to help we 60+ employees).

     

    btw, I'll write again that I was always under the impression ACA meant health care costs were going to be brought into reasonable costs, not that it had anything to do with subsidizing those of us who worked with average 2% annual wage raises while health care costs rose 4.2% to 4.7% on average from 2012 to 2022. Just sayin'

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