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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.

Exchange for the Self-Employed?

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Question: I am self-employed. My spouse’s dependent coverage is too expensive. Will I be able to purchase insurance through the exchange?

Answer: Absolutely. You will be able to apply for coverage in a qualified health plan through the California Health Benefit Exchange starting in October 2013 for coverage effective January 1, 2014. You may even qualify for subsidized health coverage calle advanced tax credits in the Exchange, which is the exclusive channel for these tax credits. Those individuals and families with incomes between 138% and 400% ($92,200 for a family of four) of the Federal Poverty Level (FPL) will qualify for subsidies.


I am switching careers to be self-employed. I earn too much money at my current job to qualify for any subsidies, but as a new business owner with tons of bills to pay and trying to get a business off the ground paying $300/month is simply not feasible. Are there any options?

How do we apply for Covered California / ACA coverage if we are self employed? Do we need to provide last year’s total gross net or this year’s projected gross net based on the first quarter earnings of 2014

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