Originally Posted by GalaxyBoy
Sorry if I missed any previous threads that may have answered this question.
My spouse is retired and is covered by a retiree health insurance plan. I am currently employed and have coverage through my employer. If I retire early I am eligible to be added to my spouse's plan.
All the ACA materials I've read refer to eligibility on an "employer's" plan. I'm just wondering if my spouse's retiree plan counts as an "employer." Common sense tells me that it does and that I am not eligible to purchase insurance on the exchanges, but I've never seen this explicitly answered.
I don't know the answer (and am curious about it since I have insurance only through DH's retiree insurance. I do work very limited hours so no eligibility for insurance through that).
However, as I understand it at a minimum you would be eligible to purchase insurance on the exchange. The question is whether you get a subsidy if you would otherwise be eligible due to income. That is what I don't know.
Of course, I think you could also buy an off-exchange ACA compliant policy without subsidy.