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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.

Opting Out of Employer Insurance for Obamacare

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Question: When Obamacare comes along can I drop my insurance through my employer and buy my own policy that meets my needs? Our current coverage is horrible.

Answer: Yes. You can opt out of your employer-based insurance and buy a plan in your state exchange, but you will not be eligible for a premium subsidy if you have access to “affordable” employer-sponsored health insurance. To be considered affordable, your contribution toward the employee-only coverage must be less that 9.5% of your income.

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Is that 9.5% of gross income or net income?

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