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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.

Group Coverage Without Dependents?

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Question: I have a group and want to exclude dependent coverage so my employees can apply and receive a subsidy on the individual plans for there dependents, spouse and children. Is that possible and is the system set up to handle those options. As I understand all the insurance companies need to include dependents.

Answer: Yes. It is possible through Covered California SHOP right now. The employer has the option of excluding spouses and dependents. Expect carriers to follow soon.

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If you offer coverage to your group of more than 50 employees, the ACA requires that you offer dependent coverage. A spouse is not considered a dependent. If you have 50 or less employees, you may apply for group coverage through any Certified Insurance Agent appointed by CoveredCA, or on your own if you are up to it. It’s not as simple as it sounds.

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