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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.


Insure Kids Only?

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Question: Can I purchase insurance to cover only my teenagers? My employer’s insurance is very expensive for dependents. I do not need insurance as their parent. I do not want it, just for my kids.

Answer: You can purchase Covered California coverage for your children, but if your employer-based coverage is deemed “affordable” for you, your kids will not be eligible for a subsidy. The ACA says that someone with access to affordable employer-sponsored coverage cannot get a premium subsidy from state exchanges in 2014, unless the cost of the employer-based health care coverage for that employee exceeds 9.5 percent of the worker’s household income. The IRS recently ruled that the calculation of affordability will be based on the cost of employee-only coverage, not family coverage.

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