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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.


Health Plans Inside and Outside Exchange

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Question: Do Insurers who offer plans inside the Exchange have to offer a similar plan outside of the Exchange?

Answer: Yes. Carriers with qualified health plans inside the exchange have to offer the identical plans outside the exchange. However, they can offer additional plans off-exchange as long as they meet ACA guidelines.

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Can an employee offer plan in & out of exchange to the emplouyees.

Management off exchange Employees in the excnage

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