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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.

How do I keep my HDHP HSA in 2014?

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Question: I’m 43, self-employed, and my family of 3 is covered by an HDHP/HSA Compatible Plan where our premium is $384/month. I would like to keep this policy in 2014, but I am reading that a typical “Bronze” Qualified Plan will cost $1000/month or more. How can I keep my current health plan and payment that I like?

Answer: Yes you can keep your HSA in 2014. No one knows what the premium of comparable coverage in Covered California will be for your family in 2014. Your scenario - $384 to $1,000 - is a 260% increase. That won’t happen. Moderate increases can be expected, but nothing like that. Besides you may qualify for a premium subsidy, and end up paying less, maybe a lot less. Covered California HSA coverage will be different - lower deductibles and higher coinsurance - but basically the same bottom line in terms actuarial value. HSA-qualified HDHPs will be available outside of Covered California as well.

1 Comment

The above post was made 11/2012. Now the question is valid and the answer is blatantly untrue! My rates are going to $1,000 per month. My current policy is being canceled because it does not meet ACA guidelines and the cheapest policy i can find is $1000!!! If it is true that i may qualify for a subsidy (and I may), why should someone else pay for my health coverage? If the ACA had not doubled my rates I would not be forced, and again i say FORCED to have someone else pay for it? This is a crime against me and against those forced to pay for it, and again i say FORCED. Also, I am FORCED to buy coverage I am not asking for, that i cannot afford. I am being told I cannot buy what I want, that i have enjoyed for some years. Also, insurers are being told they cannot offer what I want! This is a bad law that is not making things better. It is likely to force this 50 something person and his family into the group called the uninsured. Looks like the exact opposite of its supposed intent!!! Oh yea, i will be fined for doing that too, buy hey, that costs less then the insurance. It is still a Forcing me to either buy coverage i don’t want or forcing to to pay a fine!

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