Question: I am a small business owner and employed part time mainly to have access to group insurance. My spouse is disabled and currently enrolled in part A of Medicare. In, 2014 will I be able to purchase a family plan individually through Covered California or buy coverage as an employer and cover our family including my spouse? or will he be forced to use Medicare only?
Answer: Yes. Your husband will be eligible for coverage in Covered California, as would any legal resident of California regardless of medical conditions. Your income will determine whether your family is eligible for Medi-Cal or Covered California subsidized coverage. If you are eligible for either you will pay less for individual health insurance, because a group plan for your business would probably make you ineligible for a premium subsidy.