Question: Can I get a premium subsidy through the Exchange if my spouse has affordable coverage from her employer?
Answer: Covered California will have the capability for individual family members to apply for different Health Insurance Affordability Programs. Your family scenario could include your spouse on employer-sponsored coverage, you on a Covered California qualified-plan with a premium subsidy and your child on Medi-Cal. Each family member will have a unique Client Identification Number (CIN). Continuity of coverage for each family member can be maintained because the system can accommodate moving between public and private coverage options according to changes in status or qualifying events (pregnancy, recently unemployed, turned 65, etc.).