Can I have Marketplace coverage and Medicare at the same time?
You should not keep a Marketplace plan with a Premium Tax Credit once you are eligible for premium-free Medicare Part A, because the Marketplace generally will not pay the tax credit for months you are enrolled in Medicare, per HealthCare.gov (2026); this site covers only the under-65 Marketplace — Medicare-specific questions live on a separate property.
More on this topic: health insurance marketplace
What the government has said, on the record
Here's how a federal official described it, on the record:
“It's against the law for someone who knows you have Medicare to sell you a Marketplace plan.”
— Centers for Medicare & Medicaid Services (HealthCare.gov), Centers for Medicare & Medicaid Services (U.S. Department of Health & Human Services), HealthCare.gov, Medicare & the Marketplace (source)
Editor's note: From official HealthCare.gov (CMS) consumer guidance. Rules and figures can change by plan year — confirm current details at HealthCare.gov.
Who said this
Centers for Medicare & Medicaid Services (HealthCare.gov) · Centers for Medicare & Medicaid Services (U.S. Department of Health & Human Services)
Also asked as
- Can I have Obamacare and Medicare?
Sources
Last verified: 2026-07-19