Question: I am unemployed but have access (for a while) by belonging to a realtor-associated organization. They offer group coverage - does that disqualify me from signing up for the Cal Exchange and getting a health ins subsidy? If that is the case, can I quit the organization and then be eligible for the subsidy?

Answer: Your eligibility for a subsidy (advance tax credit) in Covered California will depend solely on your income. While you currently have access to health insurance through an association, this is not an employer-sponsored plan because there is no employer cost sharing.