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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.

Opt Out of Group for Exchange?

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Question: My company (as of June 1, 2013) will no longer offer any non-Kaiser health insurance plans. We prefer to use the doctors we have established relationships with. If we want insurance, we will have to take a Kaiser plan for the next 6 months - but then can we drop this insurance mid way through the year in favor of another plan from Covered California? If you calculate the “affordability” per your earlier answers, my employer’s plan costs (for employee only) are less than 9.5% of my AGI. Thanks.

Question: You can opt out of your group plan at open enrollment only. I wouldn’t advise that you do that June 2013 because there will be no guaranteed-issue coverage available at that time. If you opt out of your employer-sponsored coverage in June 2014, you will then be able to enroll with the carrier of your choice, in exchange or off exchange. You will not be eligible for subsidized coverage however.

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My husband is retiring in January 2014. He is able to keep his current family health coverage if we stay in the same county of where he was employed. We want to move to a different area in California so we will be required to sign up for a more expensive PPO plan through his former employer. Would we be able to sign up for coverage through Covered California and receive subsidies even though my husband is offered this very expensive out of network PPO? The employer plan would cost 1200.00 a month and our income will be 45,000.00 a year.

Thank You

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