Switching from a Marketplace plan to Medicare at 65

How to time the move from an ACA Marketplace plan to Medicare, why subsidies end, and how to cancel the Marketplace plan without a gap.

When you become eligible for premium-free Part A, you lose eligibility for Marketplace premium tax credits. Keeping the Marketplace plan means paying full price, and it doesn't count as creditable coverage for Part B.

Steps

1. Enroll in Parts A and B during your Initial Enrollment Period.
2. Choose Medigap plus Part D, or a Medicare Advantage plan, to start the same day.
3. Cancel the Marketplace plan effective the day before Medicare starts. The Marketplace doesn't cancel it automatically.

Medigap timing

Your six-month Medigap open enrollment starts with Part B. Apply early so the supplement starts on day one; see Medigap application tips.

Spouse still under 65

Your younger spouse can usually stay on the Marketplace plan, and the subsidy is recalculated; see spouses of different ages.

Questions people ask

Do I lose Marketplace subsidies at 65?

Yes, once you qualify for premium-free Part A.

Does the Marketplace cancel my plan automatically?

No, you must cancel it.

When does Medigap open enrollment start?

When Part B starts.

Can my spouse keep the Marketplace plan?

Usually, if under 65.

Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.