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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.


Household 4, Insured 1 or 3?

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Question: My husband is on Medicare. I am not. In addition we have, twin sons age 20 who are college students and have student health insurance. The boys live with us. Our household income is about $50,0000. Do we count the household income if only I need coverage? Can my sons stay on their college insurance after January 1, 2014?

Answer: Yes. The household income is used regardless of the number of members to be covered and you can enter only one person to be covered. Your sons can stay on their college insurance because it qualifies as minimum essential coverage. Go to the Covered California Shop and Compare calculator enter 4 for number of people in household, household income of $50,000 and for our example enter zip code 90045. Enter age 50 for our example and leave the number of people to be covered at one. The options presented at the Enhanced Silver level have net monthly premiums ranging from a low of $256 to a high of $289 after premium assistance. But wait we’re not done. As an added bonus, we’re going to add your 2 sons to the same Enhanced Silver coverage absolutely free. That’s right, you can cover 3 family members for the same cost as one person. How in the world is that possible? Because of the little known fact that there is a premium limit is based on income. What that means to you is the amount you pay is set by your income, in this example approximately 7% of $50,000 - or $290 per month. What happens is the subsidy increases to cover the added gross premium for 3 family members versus one. Wow! What a deal.

2 Comments

No. The boys would be better off sticking with student coverage for now.

If one of the parents had an affordable offer of coverage and was a large employer (50+), would the children still be eligible to join the subsidized exchange plan even though they have access to employer-sponsored coverage?

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