Medicare and ACA
Many people have coverage through the Healthcare Marketplace. Commonly, these are self-employed people—people who no longer have employer coverage, or just people who needed health insurance. In many cases, the premium is subsidized, which makes it affordable.
Once you are eligible for Medicare, you will no longer qualify for the subsidy. This would make staying on the ACA plan much more expensive than Medicare. So you should sign up for Parts A and B, and then proceed choosing a Supplement or Advantage Plan.
If you are not receiving a subsidy, you should still enroll in Medicare, since ACA insurance does not count as Medicare replacement like employer coverage can. If you do not sign up when first eligible, and then decide to sign up at a later time, you may incur late fees and a possible lapse in coverage.
My Clients Needs Come First!
"Steve has been very instrumental in helping me navigate the available Medicare options. So, I was able to choose the Medicare Advantage Plan that was best for me. He has always maintained a professional demeanor. He is very pleasant and personable to interact with. He has taken an interest in me as a person, and is always available to answer any questions I may have. I look forward to many years of having Steve be my Medicare Health Insurance representative."
Teresa S.
"I found Steve through a friend for help with my Medicare plan enrollment. He was very knowledgeable and professional in getting me enrolled in the correct Medicare plan. I would highly recommend him to anyone."
Jerry C.
"I am happy with Steve’s complete communication and understanding of each and everything that I needed in reference to my Medicare health insurance. Thank you very much. I am happy in my retirement."
Timothy S.
“Steve gave me personal attention and guidance to help me get started with Medicare. He explained my options clearly, and patiently answered all of my questions. I would highly recommend working with Steve.”
John A.
The cure for Medicare confusion
**This is a personal website of Steve Walter and is not associated with or endorsed by any government agency. We do not offer every plan available in your area. Currently we represent 8 organizations which offer 56 products in your area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program to get information on all of your options.