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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.

Opt Out of Student Insurance?

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Question: I am a graduate student and wondering if I can waive the plan offered by school and purchase outside. I have about 22000 income this year which should be qualified me for some subsidy. School plan is not my best choice because it is way more expensive. My question is will the school plan an accessible coverage for me which might prevent me from buying one outside myself ?

Answer: Yes. You can waive the plan offered by your school and enroll in subsidized Covered California coverage. Having access to school coverage will not disqualify you from receiving premium assistance in the exchange. At MAGI of $22k, your subsidy will cover approximately 50% of the Silver Plan premium.


I am a student at the University of Oregon, but am a resident of California. Can I qualify for the Affordable Health Care?

I was laid off in last year and my unemployment will run out in October 2013. I will have no income and will be living off my savings until I find a job. According to the Medi-Cal website, I will not qualify for that program. I share a home with someone but his income is not mine. Will I qualify for Covered California? I will be willing to pay the premiums out of my savings until I am able to get a job. I currently have COBRA until January 2014.

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