Hubby Turns 65 in mid Dec. 2025-Current insurance is through healthcare.gov-On Nov. 1, how do I answer open enrollment question for him regarding Medicare?

We are currently getting insurance through the healthcare.gov marketplace and have for the last couple of years. On Nov. 1 we will be enrolling again for 2025. I will be turning 60 in 2025 and my hubby turns 65 in mid Dec. 2025 and will qualify for medicare at that time. Our income for 2025 will be roughly $27,700 as we are both retired, but neither of us will start to collect social security in that tax year. We simply take out an amount equivelant to the IRS Standard Deduction for a married filing jointly.

My question, when filling out the enrollment application for 2025, since my hubby does not currently receive Medicare and will not start receiving it until mid December, do I leave it unchecked the question that states, "Eligible for health coverage through a job, Medicare, Medicaid, or CHIP" because he is not eligible at this time nor will he be until mid Dec of 2025? I tried checking that box and it immediately excludes him from purchasing a plan through healthcare.gov even though he will not be able to start Medicare until mid December leaving him without any kind of coverage for 11.5 months.

Any help would be greatly appreciated!

submitted by /u/kmcg2020
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