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.