QUESTION

My spouse is an early retiree with affordable retiree health benefits from his former employer, but I’m not eligible to be on his plan. Can I apply for coverage and subsidies in the marketplace?

Individuals with coverage | Retiree Coverage
ANSWER

Yes, assuming you meet the other requirements, you can apply for health plans and premium tax credits in the marketplace. Subsidies are calculated based on the price of available plans and household income; lower income individuals are eligible for greater subsidy amounts, and some higher income individuals may not receive subsidies. Your spouse’s eligibility for early retiree coverage will not affect your ability to seek coverage and financial help in the marketplace. (26 U.S.C. § 36B-2).

Individuals with no coverage
Individuals with coverage
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