Question: I am suppose to submit proof that I do not qualify for employer insurance. I have been paying for an individual Kaiser plan that is up to 270/mo , 80 dr visit, 1500 deductible. Income wise I qualify for a Kaiser enhanced silver plan but because my employer offers non kaiser insurance I haven't taken it because I've have cancer and psoriasis. I was provisionally approved by CalCov and paid $105. My individual plan expires in Feb since I haven't paid January and now I owe them $540 if Cal Covered doesn't go through. What am I suppose to do?
Answer: You say "my employer offers non kaiser insurance I haven't taken it". The ACA and the IRS are very clear on the fact that if you have access to employer-based health insurance, you will not be eligible for a subsidy. You have Covered California coverage for 90 days. Then you will have to decide between employer coverage or unsubsidized individual coverage.