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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.


Dropping Retiree Health Plan

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Question: I am a dependent on my wife’s retiree health plan. Can I drop that coverage and get a plan on the California Exchange? Can I qualify for a subsidy based just on my income, or is the subsidy based on total household income even though the insurance would be just for me.

Answer: Assuming your spouse’s retirement plan is a group health plan and since have access to an employer-sponsored plan, you are not eligible for a subsidy in the Exchange. You may however choose any exchange plan of off-exchange individual plan you wish.

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