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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Individual Health Insurance After Age 65?

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Question: Will I be able to keep major medical insurance if i am not employed or being offered group insurance after the age of 65 if i only have an individual policy?

Answer: Yes. You can keep your individual health insurance after age 65. However, you would be wiser to take Medicare coverage (assuming you qualify). Medicare coverage is more comprehensive than most individual health insurance plans and the cost of Medicare coverage would be a small fraction of the cost of a private plan post 65.

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I am on individual plan and will be 65 in December. My insurance is mostly federally funded due to my very low income. I prefer to stay on Healthnet since my premium is only 3.85 per month, $3 co-pays and $3 for medication. I don’t think Medicare can beat that. To clarify there is no law that says I have to switch to Medicare instead of individual Healthnet HMO, correct? Thanks.

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