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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.

Deductible Roll-Over at Year End

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Question: If you are treated for an illness in the last few days of December and have to have additional treatment in January of the following year for the same illness do you still have to meet your deductible again.

Answer: Generally, the annual deductible resets on January 1st. But you may want to contact your health insurance company to ask about “fourth-quarter roll over.” Some health insurers will allow dollars paid toward your deductible in the final months of 2011 to “roll over” or count toward your 2012 annual deductible. This can give you a head start toward meeting your deductible in the new year.

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