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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.


Do I Have to Apply as a Family?

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Question: Currently I have my son on a child only plan, so that he can be on a richer plan than me and my wife. We are on a bare bones high deductible plans — that too individually thanks to the grotesque state of current individual insurance market place. We had to take what we could get. All the calculators I have seen so far want to treat the three of us as a group. When the exchange finally opens up are we going to have a chance to buy ala carte? How will the subsidies be calculated and applied? Thanks, Bated Breath.

Answer: If your household income qualifies you for premium assistance, you will have to choose family coverage in the exchange, but if you are not eligible for a subsidy, you can buy your coverage off-exchange and choose different coverage for each family member if you wish.

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