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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.


Will the Exchange be Cheaper?

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Question: I work for a big retail company that has a health plan but I can’t afford it. My cost to insure my family would be almost 30% of my wages. Will the Exchange be cheaper for me?

Answer: Yes. In 2014, your contribution for employer-sponsored health insurance cannot exceed 9.5% of your wages or your employer will pay a penalty called the play or pay tax. Also, if your employer does not offer you affordable health insurance (below 9.5% of your wages), you will be free to shop for your own coverage at the Exchange where you may save more if you qualify for premium subsidies.

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