If you have Medicare, you should keep it. Companies that sell Marketplace plans are prohibited from selling these plans to you if they know you are covered by Medicare (this applies even if you have a Medicare Advantage plan, a Medicare Part D prescription drug plan, or a Medigap policy).

If you are not yet enrolled in Medicare, you can buy health insurance coverage through the Marketplace before you turn 65, and if you have a Marketplace plan, you can choose to renew it after you turn 65.

No. People on Medicare are not eligible for the premium tax credits, no matter what their income level.

Yes, you are eligible to purchase coverage through the Marketplace, and if your expected income is at least 100% of the federal poverty level in 2025 ($15,060 for an individual) you will qualify for premium tax credits to help make Marketplace coverage more affordable.

Although your husband now qualifies for Medicare, you will not qualify for Medicare until you turn 65. If you do not have health insurance now, you can consider signing up for a Marketplace plan.

Yes, in general, people age 65 or older who are not entitled to premium-free Medicare can purchase health insurance coverage in the Marketplace (except undocumented immigrants).