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Chapter 2: The Current State of Health Insurance

Chapter 1: What is Medicare?

Health Insurance Before Age 65

Before you reach the age of 65, you will have health insurance (required by law) through one of these programs:

  • Employer group health insurance
  • Retiree health insurance
  • COBRA
  • Affordable Care Act (individual policy)
  • VA Coverage
  • Other forms

Health Insurance After Age 65

After the age of 65, by law, Medicare becomes your primary health insurance policy and other insurance policies become secondary.

There is an exception to the rule! By law, group health plans of employers with 20 or more employees have to offer current workers and their spouses who are ages 65 or older the same health benefits as younger workers. In such cases, these plans become your primary coverage with Medicare being secondary.

Note: If you or your spouse are still working and covered under an employer-provided group health plan after the age of 65, you should talk to your personnel office before signing up for Medicare medical insurance (Part B).

Chapter 3: Enrollment