If you’re still on an ACA Marketplace plan and you are turning 65 in Pennsylvania , there’s one thing you need to know:

You must switch from ACA to Medicare ON TIME or face serious consequences.

Delaying enrollment can lead to permanent penalties, IRS repayment of subsidies, and even a gap in your health coverage.

Many people assume they’ll get a reminder when it’s time to leave the Marketplace. But that’s not how it works. You are responsible for:

• Enrolling in Medicare during your Initial Enrollment Period
• Canceling your Marketplace plan at the right time
• Choosing the correct coverage to avoid penalties or gaps

And with ACA subsidies set to expire at the end of 2025, Marketplace plans in Pennsylvania could spike by 25–75% in 2026. Staying on the wrong plan—even for a few months—could cost you hundreds or more.

Marketplace plans bundle everything—Medicare makes you choose your parts.

• Want prescription coverage? You have to enroll in Part D or a Medicare Advantage plan that includes it.
• Need to keep out-of-pocket costs predictable? You’ll want to look at Medigap options.
• Live in a rural Pennsylvania county? Your local plan options could be completely different from what’s available just 20 minutes away.

This isn’t a one-size-fits-all switch. And if you guess your way through it, you’re likely to make a costly mistake.

We specialize in helping Pennsylvania residents make the Medicare transition without stress, confusion, or penalty.

You’ll get:

• A full review of your current coverage
• A personalized step-by-step transition plan
• Local plan comparisons based on your ZIP code
• Guidance on how to avoid late fees or coverage gaps

Don’t wait for a letter in the mail. Don’t assume your Marketplace plan will roll over. And definitely don’t guess.

Have Medicare questions like this? Visit retirementplanspa.com to book a free 1-on-1 consultation with a licensed expert. We’ll help you make the switch with confidence.

ACA to Medicare transition | Medicare enrollment help Pennsylvania | turning 65 insurance switch | Marketplace plan at 65 | Medicare consultation Butler County | Western PA Medicare guide | retirementplanspa.com