Can I have a Marketplace plan and Medicare?

Medicare and a subsidized Marketplace plan aren’t meant to overlap. After you’re enrolled in Medicare, it’s illegal for a broker or insurer to knowingly sell you a Marketplace plan, and you’re no longer eligible for premium tax credits — so any subsidy you kept collecting would have to be repaid at tax time. The clean approach is to plan the handoff: enroll in Medicare during your Initial Enrollment Period (the seven months around your 65th birthday) and end your Marketplace plan so it stops the day your Medicare coverage begins.

A few details make the switch smoother. Cancel the Marketplace plan yourself rather than letting it lapse, and time the end date to line up with Medicare’s start so you’re never both uncovered and double-covered. If you’re still working past 65 with employer coverage, the timing can differ. Our Medicare guides walk through enrollment, the deadlines, and how the parts fit together.