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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.

Quit COBRA for Covered Ca Coverage?

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Question: I’m currently covered under CalCobra. That will expire at the end of March 2014. I will be eligible for Medicare in July 2014. Can I enroll in the the exchanges for the period Jan-1 thru June 30?

Answer: You can voluntarily quit COBRA or Cal-COBRA at any time. You can sign up for for a new off-exchange plan effective January 1, 2014 and stay on it until you go on medicare on July 1, 2014. To buy your new plan through Covered California, your COBRA coverage would have to be “unaffordable”, that is the former employee-only premium exceeds 9.5% of household income.


I do not have Employee sponsored health insurance for year 2014. I’ve taken individual health insurance for the year 2014. In 2015 however applied for Covered california premium assitance. Received a conditional coverage for 90 days with documents requesting for my minor kids “We were unable to verify that you do not have health insurance through your job or a government program. • If you have insurance, we need a letter from your job or the federal/state program. The letter should be on official company or program letterhead. The letter must state the names of the persons who qualify for now, the type of coverage that ended, and the date it ended. If you do not have insurance, please call the Service Center for assistance”

Not sure what documents to send since i do not have employee sponsored coverage

Had a caller Friday who was denied subsidies because she has COBRA and it doesn’t end till August. Her income qualifies her AND the amount she pays in premium exceeds the 9.5% affordability rule. She phoned CC back after we spoke and she said she told COBRA was excluded from this rule. That makes no sense whatsoever. I cannot find anything that says that COBRA is the exception. This is a pretty big deal considering the number of people locked into their unaffordable COBRA plans due to pre existing conditions.

According to a previous post and comment from Max Herr, the requirement that an individual exhaust Cobra before becoming eligible for a subsidy has been eliminated. Does anyone have any documentation so we can know for sure?

But you cannot qualify for a subsidy! Be careful here.

If you are on Cobra for even just one day you cannot qualify for a subsidy until the entire 18 months of has elapsed whether you stay on Cobra or not.

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