Maryland's Official Health Insurance Marketplace

I am over 65 but do not qualify for premium-free Medicare. What options do I have to buy coverage?

 
U.S. citizens and lawful permanent residents at least age 65 between 100% and 400% FPL ($11,770 to $47,080 for an individual in 2016), who have been in the U.S. for five years, may buy-in to Medicare if they don’t have the work history to qualify for premium-free Medicare, or they can purchase Qualified Health Plan coverage through Maryland Health Connection.

Low-income individuals who buy-in to Medicare may be eligible for Qualified Medicare Beneficiary (QMB) or Specified Low-Income Medicare Beneficiary (SLMB) programs. Marylanders can apply for QMB and SLMB at their local department of social services office.

Individuals who choose to purchase QHP coverage may be eligible for advanced premium tax credits (APTC) or cost-sharing reductions (CSR) if

  1. Their income is between 100% and 400% FPL ($11,770 to $47,080 for an individual in 2016); and
  2. They do not have access to other minimum essential coverage, such as an employer-sponsored health plan.

U.S. citizens and lawful permanent residents at least age 65 less than 100% FPL (less than $11,770 for an individual in 2016) are not eligible for APTC or CSR, even if they elect not to buy-in to Medicare Part A. Depending on their financial circumstances, they may qualify for QMB/SLMB if they choose to enroll in Medicare coverage. You can apply for these programs at your local department of social services office.