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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.


Affordable Group Coverage or Covered California

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Question: Can i enroll in the ca health benefit exchange if my spouse has employer coverage.

Answer: The ACA states that when “the premium being charged to the employee exceeds 9.5% of the employee’s household income” the employee (and or spouse and dependents) may enroll in coverage through Covered California. For example, many employers make a contribution of 50% or more to the employees’ premium, but nothing toward spouse and dependents. In that case, the premium cost for a family of 4 will often exceed 9.5% of household income. In the coming months, Covered California will define how it will handle the eligibility of individuals within families who qualify for different programs, like Medi-Cal, Covered California premium-subsidized private coverage, and group coverage.

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