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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.

Quit Group for Exchange?

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Question: Can small employers let employees opt out of group plan to join the exchange?

Answer: An employee of a small business can opt out of the employer-sponsored group health plan. (It’s not up to the employer.) However, the employee may not be eligible for a subsidy in Covered California if they have access to “affordable” group health insurance. What is affordable? Read my article, Bad News for Families with Modest Income” to understand the affordability rule. This “catch 22” was not hatched by Covered California, nor the Affordable Care Act, but by the IRS.

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