Who is not eligible to use the Health Insurance Marketplace?

Individuals with Medicare coverage are not eligible to use the Health Insurance Marketplace because Medicare is a federally funded program designed specifically for older adults and certain individuals with disabilities. Those who qualify for Medicare already have health coverage that meets the standards set forth by the Affordable Care Act (ACA), and the Marketplace is intended for those who do not have adequate coverage.

In contrast, individuals without insurance, those with employer-sponsored insurance, and individuals seeking dental plans only can all use the Marketplace in various ways. People without insurance may seek coverage through the Marketplace to find affordable options. Individuals with employer-sponsored insurance can use the Marketplace, but it may not be to enroll in a plan; rather, they might be interested in comparing options or seeking coverage for family members. Lastly, those just looking for dental plans may also utilize the Marketplace, as it offers stand-alone dental coverage options. Thus, Medicare recipients are the only group listed that cannot access the Marketplace for health insurance options.