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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.


Calculating the Subsidy in a Split Household.

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Question: If only the husband needs coverage in a household of two. Wife has medicare. How is premium and credits calculated. Is the price on online tool give for both people in household?

Answer: I’ll use an example to illustrate how the subsidy is calculated. For example, assume that your family income (2 people) is $37,000 annually). The Covered California Calculator shows your premium at $236 per month. This is the amount you would pay, even though your spouse does not need coverage in the exchange. The federal (tax credit) subsidy would pay the rest of the total premium.

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I have a question I have am covered by medicare. My wife is 62 and the only member that need insurance. She selected the Healthnet program. I reported our income as $3729.00 per month this is income that come social security, a par time job for my self and an life insurance annuity. Her cost was $311.82 per month after federal credit. Yet if I was 64 and both got the insurance our cost together would be $344.00 per month. And if she used the same income by herself the cost would be $329.00. To me our the program fails to figure in my cost of care or is this correct as over 8 percent of our income. How can that be affordable. Her income alone make her elgible for medical.

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