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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Laid Off with Pre-existing Conditions

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I have a preexisting condition and recently lost my job -- and with it, my health benefits. What does this law do for me?

You can keep the plan that you had through your job under COBRA rules, but your former employer is not required to continue paying a share of your premium. Government subsidies are currently available to cover 65% of the premium for 15 months. But once that expires, you'll need to find insurance on your own.

If you are unable to buy insurance because of your preexisting condition, you will qualify for HIPAA guaranteed issue coverage. Basically that's a high deductible health plan at a higher that average rate.

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