Question: My son and I buy health insurance through my husbands work. My husband is covered 90% and we are covered 0%. Our annual income is $55,000 and we pay $7,000/ year in health insurance w/ a $1,500 deductible per person. Can my son and I apply for Cover California in October or are we screwed because my husbands part of insurance doesn’t exceed 9.5% of his income. Is my best hope his company decides to not have health insurance to their employees so we can apply for Cover California?
Answer: You and your son will be able to purchase health insurance in the Covered California insurance marketplace, but you will not be eligible for a premium subsidy if your husband is offered “affordable” group health insurance by his employer. As you say, it would be better for your family if your husband’s employer did not offer group coverage.