ACA Coverage Options for Disabled Individuals

Are you struggling with high COBRA health coverage costs? If you’re disabled and over the age of 64, you may have options for more affordable coverage through the Affordable Care Act (ACA). Here’s what you need to know:

Open Enrollment and Your Spouse’s Employer Plan

If your wife’s employer offers health coverage, you may be able to join her plan when her open enrollment period begins. However, if she chooses not to participate in her employer’s plan, you will not be eligible to enroll as a dependent.

ACA Coverage if Your Spouse Has Employer-Sponsored Coverage

Even if your wife’s employer offers health coverage, you may still qualify for ACA coverage. This is because you are considered an “eligible individual” for ACA purposes since you are disabled. You can enroll in an ACA plan during the upcoming open enrollment period, which typically runs from November 1st to January 15th.

Applying for Medicare and ACA Coverage

If you have not yet applied for Medicare Part A and Part B, you can do so at age 65. Once you are enrolled in Medicare, you may be eligible for an ACA plan that covers costs not covered by Medicare.

Important Considerations:

When enrolling in an ACA plan, you will need to provide proof of disability.
You may be eligible for premium subsidies to help reduce your monthly costs.
It’s recommended to seek assistance from a licensed agent to navigate the ACA enrollment process and find the best plan for your needs.


If you are disabled and facing high COBRA costs, you may have options for more affordable coverage through the ACA. By understanding your eligibility and exploring your options, you can access the health coverage you need at a price you can afford

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