I am 80 years old and widowed in December. I have no health insurance and due to a decision to take my money out of PERA, I do not qualify for Medicare. What should I do?
If you are over 65, and do not qualify for Medicare, you can buy Marketplace insurance and get cost assistance.
Since this is true, the easiest next step is to call healthcare.gov. There are many details to consider, so it can help to get someone on the phone to walk you through it. With that said, below are the basics.
If you are over 65 and do not qualify for Medicare you may be eligible for cost assistance based on your household size and income during open enrollment (or if you otherwise loose coverage and qualify for special enrollment).
Since you recently experienced the death of a close family member, you may also qualify for a hardship exemption (although you won't need it if you sign up before Feb 15).
Here is How ObamaCare Works if You are Over 65, But Don't Qualify For Medicare
You’re over 65 but not eligible for Medicare. You are eligible to get coverage on HealthCare.gov (the ObamaCare marketplace). If you meet the qualifications based on income and family size, you are eligible for cost-saving subsidies, too.
You have retiree health benefits. You’re considered covered under Obamacare and won't owe the fee. You can replace that coverage with coverage from HealthCare.gov. However, if your retirement coverage is considered affordable and meets certain minimum standards, or if you are eligible for Medicare but have chosen not to enroll, you won’t qualify for Obamacare’s cost-saving subsidies.
You don’t have any health coverage. If you are over 65 the fee for not having coverage still applies to you. Whether you get a Marketplace plan, get Medicare, or keep a retiree plan from a previous employer you are covered.
IMPORTANT: If you do have access to Medicare, it's actually illegal for someone to sell you a non-Medicare health plan and you won't be able to shop on the Marketplace.
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