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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.

Calendar Year or Plan Year?

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Question: I have a high deductible PPO plan with Blue Shield. My coverage renews in June every year. Will I have to change to a Covered California plan in the middle of the plan year?

Answer: A recent ruling on the Essential Health Benefit (EHB) says that the EHB requirements will apply to individual plans on a plan year basis, not on January 1, 2014. So if you feel there is a disadvantage to making benefit and policy changes mid plan-year, you can wait until June 2014 to change.

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