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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.


Individual Plan Conversion in 2014

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Question: If an individual has an existing health plan in the individual market and is eligible for a subsidy in 2014: my question, will his current insurance company proactively assist in transferring insured to one of their compliant plans that includes subsidy? Or will it be necessary for insured to go direct to exchange to obtain a plan with a premium subsidy.

Answer: I’m going to go out on a limb here and say that your current insurance company will make it very easy for you to “roll over” to a subsidy-eligible plan within the Covered California Exchange in 2014. They want to keep your business. If you go the the Exchange on your own, you may select a plan from another insurance company.

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Even though your insurance company may be able to roll you over, I suggest shopping the exchange for yourself. There is a possibility you can get more bang for your buck. Do your due diligence and let a licensed agent figure out what is truly best for you.

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