ACA Plan a Couple for Only 1/2 Year

[csyjnapapa]

I have a couple that did not buy health insurance yet (willing to pay the penalty). The husband turns 65 in May and will be getting Medicare. The wife is 57. Will she be able to buy health insurance alone or will she have to get a plan with her husband and then he drop the plan in May?

 

[YouGotMyMoney]

If you cant answer those questions yourself, you should broker this one out to hc.gov lol

 

[mmike160]

Sign them up for a ACA plan during open enrollment. After Feb 1st he could sign up for an MAPD plan or Nov 1st for a Supplement plan with a 5/1 effective date.

Then around 4/1 cancel him off the ACA and leave it in place for the wifey.

 

[taterpeeler]

I agree with Money man.... can't answer let it go

 

[kgmom219]

I agree with Money man.... can't answer let it go

That was a much more restrained response than what I expected from you......

 

[Yagents]

Wrong answer.

Must cancel April 30th if go on Medicare may 1st and both on a.c.a policy

If husband does not want insurance, wife must buy alone during o.e.p

 

[taterpeeler]

Why do experienced agents enable the fools???????? ... never have understood that one..... train your hunter, real g.damn smart

 

[Yagents]

I Like to hear myself ......type

 

[mmike160]

Sign them up for a ACA plan during open enrollment. After Feb 1st he could sign up for an MAPD plan or Nov 1st for a Supplement plan with a 5/1 effective date.

Then around 4/1 cancel him off the ACA and leave it in place for the wifey.

with the effective date of the cancellation as 4/30.

----------

Wrong answer.

Must cancel April 30th if go on Medicare may 1st and both on a.c.a policy

If husband does not want insurance, wife must buy alone during o.e.p

"I have a couple that did not buy health insurance yet (willing to pay the penalty)."

I would instruct them to both go on an ACA during OEP to avoid the tax penalty and bounce him into a Medicare plan on 5/1. Plus, then he has coverage for that 5 month period.

With the wife buying alone, they have the tax penalty and he has no coverage for 5 months.

 

[taterpeeler]

I Like to hear myself ......type

how you so sure you were the agent I was talking about?