Why is it every time Medicare comes up, I only see a bunch of words that don't seem to make any sense together?
"Hold harmless", whaaat???
"Hold harmless" in this situation means that means that for those people who are on Medicare and have their Part B premium deducted from their Social Security payments, the total Social Security payment will not decrease as long as your income isn't too high (which isn't an issue for almost any of us). In practical terms, this means that although Medicare Part B premiums might otherwise increase, we would not be charged the increase as that would lower our overall Social Security payment.
And as
@Sushi pointed out, there is a two year wait period after you apply for SSD before you're eligible for Medicare. You can keep any existing ACA plan then, but any subsidies you get for the ACA plan disappear. Also, Medicare is a much better value, as the vast majority of the plan's cost is subsidized by the government. For most people, there's no reason to keep an ACA plan once you're eligible for Medicare.
