I don't think so. To not enroll in Medicare would mean they'd also have to drop part A which is automatic and free and I believe that action would stop their SS disability benefit payments. Not sure on the last part.
Basically, if they are eligible for one type of government insurance they are not eligible for the tax credit to buy insurance.
Can I choose Marketplace coverage instead of Medicare?
Generally, no. It’s against the law for someone who knows you have Medicare to sell you a Marketplace plan.
But there are a few situations where you can choose a Marketplace private health plan instead of Medicare:
If you’re paying a premium for Part A. In this case you can drop your Part A and Part B coverage and get a Marketplace plan instead.
If you’re eligible for Medicare but haven’t enrolled in it. This could be because:
◦You’d have to pay a premium
◦You have a medical condition that qualifies you for Medicare, like end-stage renal disease (ESRD), but haven’t applied for Medicare coverage
◦You’re not collecting Social Security retirement or disability benefits before you’re eligible for Medicare
If you’re getting Social Security retirement or disability benefits before you’re eligible for Medicare, you’ll automatically be enrolled in Medicare once you’re eligible.
Before choosing a Marketplace plan over Medicare, there are 2 important points to consider:
◦If you enroll in Medicare after your initial enrollment period ends, you may have to pay a late enrollment penalty for as long as you have Medicare.
◦Generally you can enroll in Medicare only during the Medicare general enrollment period (from January 1 to March 31 each year). Your coverage won’t start until July. This may cause a gap in your coverage.
Learn more about Medicare enrollment rules.
Ah, yes, correct - they'd lose their check. Thanks. My coffee must've been weak this morning.... Time to go fix that.
