Federally Facilitated Marketplace (FFM) Practice Exam

A client aged 65 with 10 years of Medicare taxes is trying to enroll in a Marketplace plan. What will happen?

They will be automatically enrolled in a Marketplace plan They can enroll in Marketplace and Medicare simultaneously The marketplace system will prevent enrollment and direct them to Medicare.gov to enroll They will be enrolled in a special Medicare-Marketplace hybrid plan

Correct Answer:

The marketplace system will prevent enrollment and direct them to Medicare.gov to enroll

Explanation:

When someone is eligible for Medicare, the Marketplace won’t enroll them in a Marketplace plan. The system recognizes Medicare eligibility and directs the person to enroll in Medicare on Medicare.gov. At age 65 with substantial work credits, they typically qualify for premium-free Part A and should enroll in both Part A and Part B during the initial enrollment period, then decide on Part D or a Medicare Advantage plan for additional coverage. There isn’t a Medicare–Marketplace hybrid plan. So the correct outcome is that the Marketplace will prevent Marketplace enrollment and send them to Medicare.gov to enroll.

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