Blog
Does Medicare Count as Minimum Essential Coverage?
Most forms of Medicare qualify as minimum essential coverage under the ACA — but not all.
Talk to a Licensed Agent: (302) 407-0876What Qualifies
Part A alone counts as Minimum Essential Coverage (MEC) under the Affordable Care Act, and so does Original Medicare (Part A and Part B together). Medicare Advantage, Medicare SELECT, and PACE (Program of All-Inclusive Care for the Elderly) also all qualify as MEC.
Part B alone does not satisfy the MEC standard on its own — you need Part A (with or without Part B) or a qualifying Medicare Advantage-type plan to meet it.
Compare Medicare Plans Available in Your Area
Speak with a licensed insurance agent at no cost or obligation
Call (302) 407-0876Where Medigap Fits In
Medigap is supplemental insurance, not primary coverage, so it only counts toward MEC if you already have Part A — the MEC status comes from your underlying Part A coverage, not from the Medigap policy itself.
Other coverage types that satisfy MEC include employer and private insurance, VA health care, retiree coverage, and COBRA. If you're transitioning from one of these into Medicare, your existing coverage generally keeps satisfying MEC requirements until your Medicare enrollment takes effect.
Related Reading
More on Health Advantage Plan
Official Government Resources