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.