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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.

Is Un-affordability a Qualifying Event

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Question: Does an increase in rates qualify as a qualifying event to change insurance outside of open enrollment.

Answer: Just so you know, we're getting ahead of ourselves here. Covered California ) is months away from making a definitive ruling on this issue. However, I can answer your question with an educated guess because the ACA speaks to the affordability issue. For example, if you are offered employer-sponsored coverage in July and your contribution for that coverage exceeds 9.5% of your income, you can opt out of your employer's group and enroll in a qualified health plan through the Exchange and this could be done outside of the annual open enrollment period starting in October.

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