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.