68 Not on Medicare Spouse 59, Age 69 Subsidy Eligible?

[yorkriver1]

Today, I will contact them, gather info about their contacts with Social Security, if any. I gather from reading parallel post recently that if age 69 is not "eligible" for Medicare they could both enroll with subsidy.

The definition of eligible is key. If this person, who has not lived/worked in USA for 10 years is ineligible for Medicare, pretty good road.

If they just can't afford the premium they have been told they would have to pay for Medicare A, not so easy.

I am, for now, assuming that eligible for Medicare means with or without the requirement to pay for Medicare A. In other words, they can't say they are ineligible for Medicare solely on the basis that they can't afford to pay for it.

If any of you have had experience with the eligibility question, please let me know. I will post the progress on this situation.

Healthcare.gov suggested just apply for subsidy, let the chips fall. At 28k income for two, I suppose the clawback wouldn't be so bad, worst case, if they are denied APTC eligibility at tax time next year.

I'd rather be on more solid ground first.

Final interesting point; if either or both wind up working 10 years, if I read this right, there could be future eligibility for Medicare with free Medicare A. Saw that on Medicare or SS site, don't recall which.

The question is, what to do now.

 

[dgoldenz]

One of my clients just had his 80-year-old parents apply through the exchange and get a $1300/month subsidy, so apparently it is possible. I was told by the exchange and Anthem that over-65 were not subsidy-eligible. Who knows what the real answer is....but they did get it.

 

[Evan]

I wrote an app two weeks ago for a couple in their 70's who weren't Medicare eligible. The hardest part was getting through the ID verification which for whatever reason wouldn't validate them.

I used a trick I had and voila they got a new plan.

 

[yorkriver1]

I am still curious about whether "not Medicare eligible" means not at all, or only eligible if required to pay (a large amount) for Medicare Part A. Maybe there is no specific guidance about that.

 

[yorkriver1]

Talked to them. He has never applied for Medicare. He has worked 6 years, 24 quarters in USA. This should mean he can buy Medicare A for about $441. Medicare B, usual cost. In 1 1/2 years of work, he could buy Medicare A for about $243/mo.

Their income is about $28/K. Medicare is not too affordable, but that doesn't count in IRS rules as far as I know.

Spouse under 65, will definitely qualify for subsidy. I need input about "eligible" for Medicare. This seems eligible to me. He lives about 45 minutes from a teaching hospital. I may suggest he apply there for help.

If he and spouse keep working for a few more years, he will qualify for Medicare A, no charge.