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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.


What Will I Have to Pay?

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Question: How do i find out how much my insurance premium will be with get covered.ca?

Answer: The final premiums will not be known for a couple months. However if your income makes you eligible for a subsidy, your premium can be calculated now regardless of the final premiums. That’s because your portion of the premium is a fixed percentage of your income. For example, a single person whose modified adjusted income (MAGI) is $20,000 per year would pay no more than 6.3%of their income annually, that is $1,260 annually or $105 monthly. The rest of the premium will be made up by an advanced tax credit (subsidy).

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The maximum cost of premiums for individuals will be as follows:

$45,960 = $364/month = 9.5% Income

$34,470 = $272/month = 9.5% Income

$28,725 = $193/month = 8.1% Income

$22,980 = $121/month = 6.3% Income

$17,235 = $58/month = 4.0% Income

$15,281 = $26/month = 2.0% Income

*These figures are based on the 2013 federal poverty level for an individual.

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