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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.


Calculating Your Subsidy

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Question: What does household income consist of exactly? Is it adjusted gross income, line item 37 on 1040? or taxable income, line item 43? or something else altogether? Also, my husband is on Medicare and I am only 61 so will signing up for health insurance as soon as it is available in 2014. I should qualify for federal subsidy but is it based on the FPL of our family of 2 even though my husband is covered by Medicare and will not be using this program. Thank you.

Answer: Your eligibility for a subsidy will depend on your modified adjusted gross income (MAGI). How is it modified? The online application process will automatically use the AGI from your most recent 1040 as a starting point. Then you’ll be asked to estimate your annual income in the year in which you are to be insured, 2014 initially.

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