QUESTION

My husband is covered under my plan at work. If I retire and sign up for my retiree plan, will my husband be eligible to buy a plan on the marketplace?

Individuals with no coverage | Navigating Health Insurance Marketplace Options
ANSWER

Probably. Most people are eligible to buy a plan on the health insurance marketplace. However, depending on your household income and his access to other coverage options, he may not be eligible for premium tax credits to lower the cost of a marketplace plan. For example, if he is eligible for Medicare, he would not be eligible for premium tax credits. However, if he’s not eligible for Medicare and doesn’t enroll in your retiree health plan, he could be eligible for premium tax credits, assuming your household income is between 100 to 400 percent of the federal poverty level. (26 C.F.R. § 1-36B-2).


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