Much has been written and discussed about how the Affordable Care Act (ACA) impacts employed and unemployed individuals but what about the retirees? To examine this question first we must distinguish between Medicare eligible and non-Medicare eligible retirees.
Medicare eligible individuals (typically those age 65 and older) enrolled in either original Medicare or a Medicare Advantage plan satisfy the individual mandate of the ACA by having that coverage. The employer mandate of the ACA does not apply to Medicare eligible retirees. So with the exception of some smaller requirements, the ACA does not apply to Medicare retirees.