I plan on retiring from my teaching job in June, but will not be eligible for retirement health benefits because I will not have 25 years in our NJ pension system.
Will I qualify for a “special” enrollment period for ObamaCare? I am 62 so will need insurance after June until I am eligible for Medicare.


Everyone who is under 65 qualifies for ObamaCare based on income, period. When you leave your job or lose your coverage you'll be eligible for a Special Enrollment Period.

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Kristi Youngdahl on

Answer Rating:

I would like to know if I can afford health insurance, after one more year of working in Education. I am 61, but will be 62 in June. I have 30 years in Arkansas. I will probably keep the insurance that the school district provides, Health Advantage. I live with my mother and a brother.

ObamaCareFacts.com on

If you have access to coverage through your employer then you can’t get cost assistance on the Health Insurance Marketplace. This typically means employer coverage will be the best bet. You can enroll in the Marketplace if you lose employer coverage or you can wait and enroll in Medicare during your initial enrollment period which starts 3 months before you turn 65.

Lee on

I want to retire at 62. The estimates for Obamacare are too expensive. Will I have to pay a penalty to go without insurance?

Joycelyn ONeal on

I recently retired in Alabama. I opted to keep my vision, dental, heart and cancer policies. My husband is a retired Marine. I am also covered with Tricare as his dependent. Is that enough or do I need to enroll in Obamacare?

[email protected] Erin on

“Obamacare” also known as the Affordable Care Act is not an insurance. It is a law that regulates private and public insurers. If you have minimal essential coverage than you have met the requirements to have insurance and your good.

Mike Schoonmaker on

My wife (63 yrs) and I (58 yrs) have been paying the “full load” (>$1,700 per month) for the last few years. This past year (sept 2016) we sold our business which had been providing the income to make these payments. We continued to pay the full insurance premium through the end of 2016 as we did not want to change plans mid-year.

We now go into 2017 with no income other than dividends from our investments, and based upon healthcare.gov we are eligible for premium credits. We are pleased to pay the balance. However, when signing up in December, we were notified through healthcare.gov that we needed to submit “proof of income” documents by Feb 10 to substantiate our income claim. We received a “FINAL NOTICE” today regarding the proof of income documents. The letter included all of the “expected” documents (1040, W2, SSA, unemployment docs) but of course those are for LAST YEAR and are no longer relevant! Calling the folks at healthcare.gov only result in them reading this list to me (surprise!).

I’m not sure how to handle this – I’m thinking perhaps sending my broker’s January statement showing “recognized” gains & losses? Any help or suggestions would be most appreciated, thank you!

Mae davis on

Need to apply for coverage retired in Jan 2017

Bonita Lee on

I want to retire at 62. My health is not great. Would i need to wait till then to file for obama care. That will determine if i can quit or not?

ObamaCareFacts.com on

Assistance under the Affordable Care Act is based on income. Until you are Medicare age you may qualify for either marketplace cost assistance on premiums and/or out-of-pocket costs at HealthCare.Gov or Medicaid. You should really call healthcare.gov to inquire further so you can better understand your options.