Question: I work for a small company that offers affordable health insurance for me, but does not offer any dependent coverage at all. My spouse is unemployed. Can my kids/wife qualify for a subsidy on the exchange?
Answer: To my knowledge, Covered California has not addressed this issue directly. But according to a recent IRS ruling, your dependents will not be eligible for subsidies in the exchange if they have “access” to employer-sponsored coverage. If your employer excludes spouse and dependent coverage then your spouse and dependents can be eligible for subsidized Covered California Coverage. But if spouse and dependent coverage is available even though the employer makes no contribution they will not be eligible for subsidized coverage. In that case, you would better off if your employer dropped the group plan. If I were you, I would talk to your employer about poling the other employees to see how many would similarly benefit.