The Navigator Resource Guide has not been updated for 2025 Open Enrollment. For more current information please visit:
cms.gov/marketplace/in-person-assisters/information-partners.
QUESTION

Is my employer required to offer benefits to retirees?

Individuals with coverage | Coverage for Employees of a Large Employer |
ANSWER

No, there is no requirement that an employer offer retiree health benefits. Retirees not yet eligible for Medicare may be eligible for coverage in a health insurance Marketplace, possibly with a premium tax credit, depending on income and other factors.

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues