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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.


Temporary Job and Subsidy?

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Question: I was unemployed and getting a generous subsidy through CoveredCA for my health insurance. I recently landed a 6 month assignment that pays just enough to have my subsidy taken away. I really can't afford the insurance on its own. Is there anyway to average out what ill make these 6 months for the year so I can still have a subsidy? My plan went form 59 a month to 263 a month because I took a 6 month temp job.

Answer: You could do nothing at all and save up for a larger than normal tax bill in April 2015. You could also change your Covered California account to reflect your new income from your temporary job by taking the total income for the 6-month job and dividing it by 12 if that would still make you eligible for premium assistance.

3 Comments

I was planning on taking a extended vacation soon (6 months to a year) which effectively drop my income to near 0, but I’m over 55 and don’t want to go on Medi-Cal. What options do I have

How does an agent get appointed after the application has been submited to Covered CA without agent appointment? We’ve had a number of situations/clients that ran into various glitches trying to appoint agent online. Anthem previously advised to obtain letter from applicant requesting such and send in; now they say we have to go through Covered CA to get appointment, they will not handle.

If your belief that your 6-month assignment will cause your premium tax credits to be lost because it appears to inflate your annual income, rest assured that when you file your tax return in 2015, the tax credits will be “reconciled” on the basis of your actual Modified Adjusted Gross Income (MAGI). If you choose not to adjust your advance tax credits down from their present level, that’s OK, you will either have any tax refund due reduced or eliminated, and/or you will have to repay some or all of the credit you’ve received, as Phil wrote.

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