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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.


SEP Exception for Current COBRA Insureds?

By on | 4 Comments

Question: Has Covered California officially decided to implement the Special Enrollment Period through July 1, 2014, whereby the Feds allow folks who currently are under COBRA to switch to ACA Marketplace health insurance plans?

Answer Yes. Covered california adopted the COBRA SEP guidelines regarding SEP exceptions for COBRA beneficiaries on May 15. The SEP enrollment period in California will extend to July 15, 2014.

4 Comments

Well, the ANY TIME OF YEAR comment may not be right, but there is no requirement to exhaust COBRA continuation. There are still about 13 days left in the new extended COBRA SEP in California. The next opportunity after that will be Open Enrollment for 2015, coming later this year.

Max, That is not what the Covered CA website says in its COBRA FAQ. Do you have something you could cite?

“if a person continues group coverage by electing Cobra, he must exhaust that coverage before possibly qualifying for a tax credit in the exchange”

WRONG! COBRA continuation may now be terminated at any time, and constitutes a LIFE CHANGE EVENT that makes a person eligible for a Special Enrollment Period … ANY TIME OF YEAR.

Outside of this special enrollment period, my understanding is that if a person continues group coverage by electing Cobra, he must exhaust that coverage before possibly qualifying for a tax credit in the exchange. However, if a terminated employee is offered Cobra but does not elect it, he may possibly qualify for a tax credit in the exchange. Is that correct?

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