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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.


Same-Sex Combined Income in Exchange?

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Question: I am self employed and qualified for low income insurance through my state. My girlfriend/soon to be wife’s company does not offer same sex marriage health insurance. if I get married I will lose my insurance through my state because they use her income as part of the application process. If I apply for the insurance in January under the Obama care will it be just my income or will it be our income combined? She does not need coverage it would be just myself.

Answer: After the DOMA ruling yesterday, your partner’s employer must offer coverage for married same-sex couples at some point (assuming your state allows same-sex marriage), probably not until the group’s next open enrollment. Obamacare will treat you as a couple only if you file income taxes jointly. Being treated individually will be better for you if you have a lower income than your partner, you may qualify for premium assistance in the exchange. She will not because she has access to affordable group coverage.

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