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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.

Union Retiree Health Coverage and Subsidies

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Question: My husband has coverage thru the union and is retired. The current individual cost for his plan is under 9.5% of his pension but I am unable to enroll on his plan. Can he drop his current plan so we BOTH can get subsidized on the Covered California plan?

Answer: You may be eligible for an advance premium tax credit in Covered California because you do not have access to an employer (or union) sponsored group health insurance plan. However, even if your husband were to drop his union health plan, he would not be eligible for a subsidy because he has access to group health plan.

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And I thought the unions always put their members’ best interests ahead of anything else!

If your husband is over age 65 and eligible for Medicare, he might just find that a Medicare Advantage plan, available in most parts of CA with no additional premium, would be far less costly than his Union-sponsored plan, and should provide the same, or maybe an even greater, level of benefits.

If you are not yet age 65, you would still have the tax credits available if your “Modified Adjusted Gross Income” (MAGI) puts you anywhere under 400% of the Federal Poverty Level.

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