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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.

Over 65 No Medicare or Medi-Cal?

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Question: I understand that seniors (new immigrant) over 65 without medicare or medicaid can purchase insurance through exchanges. I assume they won’t be able to get any federal subsidies, right? So should they actually purchase through off exchanges?

Answer: The immigrant you describe would be eligible for a subsidy in Covered California if income is under 400% FPL if “legally present”.


under 400% FPL if “legally present” - what does this mean???

My mother is over 65 without medicare (due to the 5 year waiting rule for immigrants) and was able to enroll in an “Anthem - Bronze 60 PPO” plan on Covered CA. However this was Oct 2nd and as of Nov 16th she didn’t receive any package, bill or confirmation. Anyone in a similar situation ?

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