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Covered California Q&A

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.

Uninsurable: COBRA, HIPAA, High Risk pool

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Question: Do you have to be an “uninsured” resident of Utah for 12 months? I am uninsurable but currently have cobra through my husband. When it runs out how much would the premium be for the high risk insurance? What is it based on?

Answer: That is correct. The HIPUtah Major Risk Health Insurance plan requires that you be uninsured for 12 months before applying. So that’s not for you. When you have exhausted your COBRA benefits, you will qualify for federal HIPAA coverage. That’s high deductible coverage offered through the insurance carriers in each state by federal law.You may be able to purchase a HIPAA plan from your current insurer, but can shop for HIPAA plans from any other carrier in your state. It’s more expensive than regular individual health insurance, but they must cover you. Remember you only have to get to January 2014 - two years form now - when you will no longer have to worry about being “uninsurable” and can buy health insurance without regard to your pre-existing medical conditions at the same price as everybody else. Hang in there. It will get better.

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