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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.

Does a hardship exception allow me to buy catastrophic coverage?

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Question: I read on another site that there are several exceptions (Native American, financial hardship, etc.) in which case they would trust someone over 30 to buy a catastrophic policy. Is is true that if the cheapest Bronze plan is over 8% of my 2013 income that I would be eligible?

Answer: Yes. If one has received a certification from the Exchange that they are exempt from the individual mandate because they do not have an affordable coverage option or because they qualify for a hardship exemption they will be eligible for enrollment in the catastrophic plan even if over 30 years of age.

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Where do I find information regarding the exception certificate. The cost of the cheapest bronze plan is 22% of my income? Do I have other options, is cost is catastrophic to my finances. 530-598-8887

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