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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.


Whose Age Determines Premium?

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Question: Will Exchange premiums be based on the age of the policyholder, the youngest adult age, or the ages of all family members seeking coverage? The premium estimate calculator on the Covered CA website asks me to enter the youngest adult age in the family to determine the premium, which I think is confusing. Why would my family’s premium be driven by 21 yr old dependent son in college instead of my age or my wife’s?

Answer:Indeed, “Age of youngest adult in family”, can be confusing. Clearly, it is intended that the age of the youngest spouse or parent (if there are married dependents) is used as the primary insured and the family’s premium is based on that age.

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