Can someone over 65 ineligible for Medicare – as they have not lived in the USA five years so they can buy in to coverage  get the advance premium tax credit?

What if they have to pay for Medicare Part A?

If someone is over 65 and not eligible for no premium Part A Hospital Medicare there was a BIG debate when ACA/Covered CA/Obamacare started.  It’s now well settled that they can.  Here’s proof, the 1095 A showing the subsidy!

Our webpage on 1095 A Proof of Health Coverage for the past year

1095 A for over 65 - not eligible for Medicare


Video about Covered CA – if no Premium Free Part A – jump to 2:30 
vidoe about over 65 no medicare

Proofs & References


Over 65, but I don’t qualify for Medicare.  You can purchase Marketplace coverage and qualify for subsidies based on your incomeKFF

Medicare Part A has a premium: However, if someone qualifies for Medicare but has to pay a premium for Part A and does not enroll in Medicare Part A, they may be eligible for a Covered California health plan. Depending on a consumer’s income, they may be eligible for premium assistance and cost-sharing subsidies for the Covered California health plan.  Covered CA – Medicare Info 

Kaiser Foundation Subsidy Calculator Explanation

Code of Federal Regulations 1.36B-2 Eligibility for Premium Tax Credit Is not eligible for minimum essential coverage [Can’t get Medicare!]

26 USC §36B Refundable Credit for Coverage under a QHP Qualified Health Plan


FAQ’s Medicare & Covered CA

IRC §5000 A

Broker Q & A… Phil Daigle 

VIDEO  Medicare & the Market Place

Jump to 2:30 for those not eligible for No Premium Part A

Moulder Law – Flow Chart

Moulder Law - Flow Chart

IRS #Pub974 

Premium Tax Credit
IRS Publication 974

VIDEO What is APTC Advance Premium Tax Credit


aptc interactive assistant

Interactive Tax Assistant (ITA)

Am I eligible to claim the Premium Tax Credit? 

IRS FAQ on Premium Tax Credit

Learn More About Your Health Insurance Tax Documents | Covered California VIDEO   


Tax #Estimators



ACA What You Need To Know  #5187 ACA What you need to know # 5187

Health Net VIDEO
How to get subsidies – pay less for coverage 

Kaiser Foundation reports that 27% of uninsured individuals are eligible to purchase a bronze plan with $0 premiums after subsidies in 2019.  Silver plans with cost-sharing reductions (CSR) for single individuals with incomes below 200% of the poverty level can be purchased for roughly $20 to $130 per month after subsidies, depending on an enrollees’ income. KFF *

FPL & Subsidy Calculation

Quote Engine – Input

2 Zip Code – Date of Birth  

Related Pages on Tax Credit Calculation

Covered CA Guidelines for Medicare or Not?

Penalty for not enrolling when eligible for Part A when you have to pay premium

65+ but less than 5 years in USA

9 comments on “Age 65 – Tax Credits?

  1. Q & A from Medicare Page

    . My father and mother have had Covered CA Silver 94 PPO plan, with APTC – Advanced Premium Tax Credit since ACA – ObamaCare  went into effect. Their income is below FPL – Federal Poverty Level but through two years of consecutive appeals hearing, the Judge had ordered Covered CA that they are eligible for APTC since they are not eligible for non-MAGI Medi-Cal (since both my dad and mom are above 65, and have assets more than Medi-Cal limits, and they cannot spend down). 

    ***But does the IRS agree with that when they file 1040 and 8962 Premium Tax Credit

    I would like to see that order.

    Both my dad and mom have been legal permanent residents (green card) at the time of the appeals in 2016 and in 2015. They are eligible for Medicare but are not eligible for premium-free Medicare, and Covered CA did send them a letter stating that people who are not eligible for premium-free Medicare and who dont enroll in Medicare could be eligible for APTC. Just like last two years, again for 2017, Covered CA has told them that we are not eligible for APTC for 2017 coverage. My dad became a US citizen late 2016. But they continue to be ineligible for Medi-Cal, or premium-free Medicare. And without APTC,

    ***What if they just take the credit when they file their taxes at the end of the year?

    they cannot afford to get an affordable minimum qualified health plan – minimum essential coverage.

    They have filed for an appeal, but if you can point us to any sections of the ACA, or Federal Code of Regulations

    ***CFR  §1.37-1   General rules for the credit for the elderly.   *   §1.37-2   Credit for individuals age 65 or over.

    or California regulations, or special rules/clarifications, or IRS notes that we can represent to the judge during our hearing, it would be really helpful.

    It is strange that while they would be eligible for APTC as non-citizen aliens (as decided by the Judge last 2 years), their becoming a citizen makes it worse for them.

    ***How so?

    Anonymous says:
    I think Covered CA is getting too expensive. I’m thinking of enrolling and paying for Part A, then Part B like everyone else, then enrolling in Medi Gap and Part D. What are the costs? Pros & Cons?
  2. Hello – I am looking for medical insurance alternatives for my 78 year old aunt. She currently has Covered CA but I am interested to learn more. Thank you!

  3. I’m getting the tax subsidy, but now I’m thinking that I’m paying too much.

    How do I apply for Medicare and what are the cost and coverage differences?

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