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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.


Can I Really Keep My Plan?

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Question: President Obama says that if I like my plan, I can keep it. My family is well over 400% of the Federal Poverty Level. Therefore, we will not qualify for a subsidy. My family has a $10,000 deductible HSA individual health plan that was purchased in 2012. Will I be able to keep my policy as is, for as many years into the future as I want to, like President Obama promised?

Answer: You know what they say about campaign promises, “I said what?”. As it worked out you can keep your present coverage until the 2014 anniversary date of the policy, sometimes referred to as the renewal date. Then you will have to purchase a health insurance that conforms to ACA requirements.

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