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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.


Live in CA 3 Months a Year. Eligible for Subsidy?

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Question: If someone has dual citizenship and lives in the United States for 3 months out of the year, are they exempt from the Individual Mandate? If they would like Covered CA insurance for those 3 months, how would that work? I was told that if they have MEC outside the US then they are exempt from the mandate, but as far as applying for coverage with premium assistance, that seems a little confusing. Does filing taxes play a role?

Answer: You are not considered a California resident if you live in the state less than 6 months a year. Therefore you would not be eligible for Covered California coverage with or without a subsidy for the time that you are in the state. An American citizen who lives outside the country is exempt from the individual mandate, however.

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