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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.

Calculator is Way Off

By on | 3 Comments

Question: My 2012 1040 had an adjusted gross of $57,000. I have just started getting social security at 62. I did the calculator on the covered California site and it seems to indicate that at $57,000 I would pay $458/month for myself and my wife (age 60) With my added social security bringing my income to $70K my payment would jump almost 400% to $1600/month. I hope I am making some fundamental error here.

Answer: No you did not make a fundamental error, but the difference between subsidized and non-subsidized premiums will not be nearly as high as the calculator indicated. The calculators used projected rates which turned out to be much higher than the rates just announced. The new rates need be loaded into the calculator.


After last weekend (Nov 23) the cost of insurance calculator at the top of the website changed. It is now showing costs for insurance about 2.5 times more than the yellow calculator at the bottom of the page. I have mentioned it to the Facebook person on Covered CA, but it is still messed up. I would like to know which cost is correct?

It does seem strange that a few $’s over or under the $60k threshold can make such a huge difference in the subsidy.

Also, the rates for 60 year olds are very high in California relative to other states and were curiously not published in the original communications.

I just calculated using the OP’s parameters ($70K, 2 persons, 62 and 60) and it came to $1,285 per month.

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