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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.


Can Insurance Agents Help Get Subsidies?

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Question: I noted a section that said something like “you can only be eligible for subsidies if you buy your policy through the exchange”. Does this mean that if I use an independent insurance agent to purchase my policy (through the exchange, presumably), I would not be eligible for subsidies, i.e. that I must personally apply through the web site in order to be eligible ?

Answer: Only the Covered California Exchange can approve your application for an advanced tax credit subsidy. If your agent is certified with the exchange, he or she can help you submit your application to the Exchange either as an online application, a telephone application, or a paper application. Your exchange certified agent will have a unique identification number connected to your application that will allow them to perform some application tasks on your behalf.

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