The Health Insurance Marketplace that starts in 2014 is designed to help people who don’t have any health coverage. If you have health coverage through Medicare, the Marketplace won’t have any effect on yourMedicare coverage.
Your Medicare benefits aren’t changing. No matter how you get Medicare, whether through Original Medicare or a Medicare health plan, you’ll still have the same benefits and security you have now, and you won’t have to make any changes. Learn about the 5 ways the Affordable Care Act affects people with Medicare.
The Marketplace provides new health coverage options for many Americans. If you have family and friends who don’t have health coverage, tell them to visit HealthCare.gov to learn more about their options.
You don’t need to do anything with the Marketplace during Open Enrollment
Medicare’s Open Enrollment isn’t part of the Marketplace.
Medicare Open Enrollment (October 15-December 7) is the time when all people with Medicare are encouraged to review their current health and prescription drug coverage, including any changes in costs, coverage and benefits that will take effect next year. If you want to change your coverage for next year, this is the time to do it. If you’re satisfied that your current coverage will continue to meet your needs for next year, you don’t need to do anything.
The Health Insurance Marketplace Open Enrollment period (October 1, 2013-March 31, 2014) overlaps with the Medicare Open Enrollment period (October 15-December 7, 2013).
If you have Medicare, make sure that you’re reviewing Medicare plans and not Marketplace options. To review Medicare plans, use the Plan Finder.
What if someone tries to sell me a Marketplace plan?
It’s against the law for someone who knows that you have Medicare to sell you a Marketplace plan.
The Medicare Open Enrollment period is a time when there’s a higher risk for fraudulent activities. Learn how to prevent, spot, and reportfraud.