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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.


Dependent Eligibility for Medi-Cal

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Question: I have been paying the Blue Shield premium for my 52 year old son who lives in my home. He is unemployed and because he has a pre existing condition I didn’t want him to loose coverage. The current rate is $435 a month for basic plan ($5500 deductible.) While he filed a tax return last year with AGI of under $2,000 I declared him a dependent on my return. Can he qualify for the exchange and if so must he use household income (my income)? Because I can’t afford the premium I have been considering cancelling the policy but continue to borrow from credit cards to keep the policy in place. How can I get my son switched over to the exchange with applicable subsidies?

Answer: Your son will be eligible for Medi-Cal based on his income. In this case, the fact that you claim him as a dependent will not be an obstacle to his eligibility. Your son can be enrolled in Medi-cal anytime after October 1, but his coverage will not be effective until January 1, 2014.

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If I claim my son as a qualified dependent, who is unemployed and I have paid for all of his living expenses, will it effect his Medi-Cal insurance coverage?

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