Coordinate Covered California
Most people eligible for premium free Part A should end marketplace coverage and financial help when Medicare begins. Coordinate the effective dates carefully.
For business owners, consultants & 1099 workers
Self Employed and Turning 65? Your Coverage Transition Can Be Smooth.
When you buy your own insurance, Medicare may change your premiums, provider access, subsidies, and HSA strategy.
What we’ll sort out
- Transitioning from Covered California or an individual plan
- Avoiding premium subsidy issues at 65
- Coordinating HSA contributions with Medicare
- Planning coverage if a younger spouse stays on the current plan
Plan for the whole household
Your move to Medicare may leave a spouse or dependent on individual coverage. Compare household costs and timelines together.
Revisit the HSA
Medicare enrollment ends HSA contribution eligibility. If you enroll after 65, retroactive Part A can affect the months when contributions should stop.
One-on-one Medicare guidance