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Medicare Open Enrollment FAQs

This list of Frequently Asked Questions (FAQs) about the Medicare Open Enrollment period covers a range of topics related to enrollment, including Medicare Advantage, Part D, Medigap, and more.

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  • I estimate my income next year will be very low, so I need my premium tax credit all paid in advance. If, by the end of the year, it turns out my annual income was even lower than I expected and I could have qualified for Medicaid, will I have to repay the advance premium tax credit paid on my behalf?

  • The insurance my employer offers is not affordable, so I enrolled in a Marketplace policy with premium tax credits. However, I later got a part-time job and now my annual income will be higher than I originally estimated. At this higher income, the cost of enrolling in my employer-sponsored plan is now considered “affordable,” but I can’t sign up for my employer plan until the next open enrollment season. What should I do? When I file my taxes will I be required to pay back my premium tax credits because I had access to affordable job-based coverage after all?

  • I can’t afford to pay much for deductibles and co-pays. Is there help for me in the Marketplace for cost sharing?

  • If I use my premium subsidy for a Bronze plan, I can save even more money on the premium. Can I also get my cost-sharing reduction through a Bronze plan?

  • How much are the cost-sharing reductions?

  • If I mis-estimate my income and end up earning more than 250% of the federal poverty level next year, will I have to pay back the cost-sharing subsidies?

  • Can I be charged higher premiums in the Marketplace if I smoke? Do e-cigarettes count?

  • I smoke but I’m trying to quit. What happens if I don’t disclose to an insurance company that I use tobacco?

  • I am having trouble setting up a Marketplace account online. The Marketplace website says that it cannot verify my identity. What should I do now?

  • ¿Cuánto puedo ganar y calificar para subsidios para las primas en el mercado?