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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.


Opt-Out of Small Group?

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Question: If an employer offers qualified group insurance can an empoloy refuse coverage and take his family of four on to the exchange where they can get a lower premium because of a low family income?

Answer: No. Not if the employer-sponsored group coverage is “affordable”. Affordability is defined as an employee-only cost that is less than 9.5% of the family income. See also my article, Bad News for Families with Modest Incomes.

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