I’m 63 and about to retire. I’ll be offered a retiree health plan from my employer. Can I get better coverage and subsidies in the Marketplace instead of enrolling in my employer retiree plan?

Yes. If you want to obtain coverage through the Marketplace, you may do so, and if your income is at least 100% of the Federal Poverty Level ($15,650 for a single adult or $21,150 for a family of two in 2026), you may be eligible for premium tax credits. Just being eligible for retiree coverage will not affect your eligibility for Marketplace coverage and subsidies. If you enroll in retiree coverage, you will not be eligible for Marketplace subsidies.