If you attempt to enroll a 65-year-old client who has paid Medicare taxes for 10 years into a Marketplace plan, what will happen?

The correct response is that the system will prevent enrollment and direct the individual to Medicare. This is because individuals who are 65 and older and have paid Medicare taxes for at least 10 years typically qualify for Medicare, which is the primary health coverage for individuals at that age.

The Marketplace is designed to assist individuals who do not qualify for Medicare or have other qualifying circumstances that do not lead them to access Medicare coverage. Therefore, when a 65-year-old person eligible for Medicare attempts to enroll in a Marketplace plan, the system recognizes their eligibility and automatically redirects them to Medicare, as this is the appropriate coverage for their age group.

In this context, it’s important to understand that the aim of the Marketplace is to serve those who need coverage options outside of Medicare. This ensures that resources are utilized efficiently and that Medicare recipients are receiving the benefits they have earned through their contributions to the program.