Home

Medicare open enrollment

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.

View the Latest: FAQs

  • I notice “short-term limited-duration” insurance plans for sale outside of the Marketplace, and they are cheaper than many other health plans. What is a short-term limited-duration health plan?

  • My income is low, but I just inherited cash from my aunt. Will that affect my eligibility for Marketplace premium tax credits?

  • My spouse and I have a teenage daughter who has a part-time job. Do we count her income as part of our household income when we apply for Marketplace premium tax credits?

  • I’m raising my grandchild and claim her as a dependent on my taxes. If I apply for Marketplace premium tax credits, will we be considered one household?

  • My partner and I live together but are unmarried. Will our combined household income be used to determine our eligibility for and the amount of premium tax credits?

  • My 24-year-old daughter is eligible for premium tax credits and a cost-sharing reduction. We are not eligible for any financial assistance, but we would all like to enroll in the same Marketplace plan. We do not claim her as a tax dependent. Can we do that?

  • I am married, but my spouse and I live apart, and we do not file a joint tax return. Instead, I use the “married filing separately” tax filing status. I have a low income and need help paying health insurance premiums. Can I qualify for premium tax credits?

  • I am self-employed and my income varies from year to year. How do I apply for premium tax credits if I don’t know what my income will be next year?

  • Can I adjust the level of subsidy I collect in advance when my income goes up or down during the year? How often during the year can I make adjustments?

  • I had Marketplace coverage in 2025 and have to reconcile my taxes for this year. What’s the most I would have to repay the IRS for tax credits paid on my behalf?