Question: If I am subsidized for healthcare through the exchange and then discover at the end of the year I qualified for Medicaid, what happens? My income varies year to year because I have 2 jobs. One pays monthy and the other is off and on throughout the year causing my income to vary between $15000 to $16000 a year. I can’t afford to pay at the end of the year so I’s rather over estimate. How is it handeled if they found out I should have went with Medicaid that year instead of subsidies?
Answer: Covered California is working on a “Bridge Plan” as a solution for situations like yours. The problem for people whose incomes place them on the line between Medi-Cal and Covered California subsidized coverage is continuity of care. If you and your family members are accustomed to medical care from a certain group of providers, a change from Medi-Cal to private coverage and back again will be disruptive at the very least, The proposed Bridge Plan will promote continuity of care and affordability by altering contracts with Medi-Cal Managed Care Plans to extend to families whose income is between 138% and 200% of FPL.