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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.

College Student Dependent and Medi-Cal?

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Question: There are 2 members in our household. I am self-employed, with an 18 y/o dependent, with an AGI of $55,000. My 18 y/o attends college out-of-state and has no income. She will turn 19 October 2014. My understanding is she will be covered out-of-state under a family plan if I purchase BS PPO Silver 70. What happens mid-year when she turns 19? Does she have to go on Medi-Cal? If so, will it cover her out-of-state? Would it be better to purchase a catastrophic PPO policy for her now and for me to get my coverage through CC?

Answer: No worries. Your income $55K is high enough that your dependent under 19 will not be eligible for Medi-Cal and your Blue Shield Silver 70 PPO Plan will provide her with excellent coverage out-of-state. When she turns 19 she would be ineligible for Medi-Cal in any case as long as she is included in your household as your dependent. If your income was below $38,775 (250% FPL), she would be eligible for Medi-Cal until age 19 with only emergency health care coverage out-of-state.

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