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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.

Covered California HSAs

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Question: Will HSA plans be included in aca and in the exchanges in ca?

Answer: Yes. Covered California will offer 2 HSA plan designs: one at the silver level with a $1500 deductible, 80/20 coinsurance, and a maximum out-of-pocket of $6400 and a bronze level plan with a $3500 deductible, 70/30 coinsurance, and a max out-of-pocket of $6400. Family deductibles and out-of-pocket maximums equal to 2 times the individual amounts.

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I thought the maximum deductible allowed is going to be $2000 for an individual? If that’s the case, how can they have a high deductible/HSA compatible plan with a $3500 deductible?

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