If you have an ACA plan and become eligible for Medicare, you should switch to Medicare. Keeping both can lead to complications and higher costs, as you cannot qualify for premium assistance once you are eligible for Medicare. 

You don’t! You cannot advise if someone qualifies for Medicaid. Medicaid uses Income, Federal Poverty Level, and factors such as age, disability status, pregnancy & household size to determine eligibility. ACA uses Income, % of Federal Poverty Level, and household size plus whether their state expanded Medicaid eligibility. When an agent submits an application, the Marketplace determines whether the client should go to Medicaid or ACA.   

There are no specific age restrictions for ACA coverage. However, individuals over 65 are generally eligible for Medicare and may not qualify for an ACA plan unless they aren’t eligible for Medicare. 

To help clients compare ACA plans, you must review coverage options, premiums, deductibles, out-of-pocket costs, and provider networks. The Health Insurance Marketplace offers tools to compare plans side-by-side, and you can assist clients in understanding their specific health needs.   NCC also offers the HealthSherpa platform that includes quote comparisons that can be sent to customers.

ACA open enrollment typically runs from November of the current calendar year to January of the following calendar year. Details Here (Special enrollment periods are available if certain life events occur (e.g., marriage, loss of coverage, or moving).