Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Is Retiree HC Ins an "Employer Plan" under ACA?
Old 07-16-2014, 03:29 PM   #1
Recycles dryer sheets
GalaxyBoy's Avatar
Join Date: Jul 2009
Posts: 364
Is Retiree HC Ins an "Employer Plan" under ACA?

In order to obtain health insurance from the ACA exchanges and receive a potential subsidy, my understanding is that one must not have insurance available from one's employer.

DW is retired from state government and currently gets her health insurance as part of the state retirement system's plan. I get my insurance from my current employer; there is no retiree insurance plan available from them. However, DW could add me to her plan either during open enrollment or when I have a life change.

It appears we could get cheaper insurance on the exchanges, especially as our MAGI will be pretty low (before Roth conversions) which should qualify us for a subsidy.

I expect to FIRE within the next year at the most.

I can't find anything that addresses whether a retiree plan is considered an "employer plan" or not.


GalaxyBoy is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 07-16-2014, 03:36 PM   #2
Thinks s/he gets paid by the post
Join Date: Jul 2012
Location: Mississippi
Posts: 1,825
Retiree plans count as meeting coverage requirement, but does not prevent you from using the exchange.
rbmrtn is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
ACA and Employer HC for DD Hermit Health and Early Retirement 5 04-22-2014 07:08 AM
tax deduction for retiree health ins premiums katste12 Health and Early Retirement 9 03-06-2012 04:28 PM
After Health Ins. is fixed; Then Auto ins.- same % uninsured dex Health and Early Retirement 17 06-25-2009 07:29 PM
Does your employer sponsored 401k plan utilize a third party plan advisor? Disappointed FIRE and Money 13 03-25-2008 03:12 AM


All times are GMT -6. The time now is 02:43 AM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.