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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.

Effective Date after COBRA Expires?

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Question: My family is losing COBRA coverage on 9/16 (expired). Anthem, Blue Shield, and HealthNet and Cigna all will only give a 10/1 effective date. Will anyone give a 9/17 effective date to avoid a gap in coverage?

Answer: No help from the carriers on this loophole. Right now the consumer with expiring COBRA coverage may have to wait up to 30 days for the ACA compliant coverage to kick in. Eventually the feds will get it ironed out. In the meantime there's short-term coverage perhaps?


I suggest having Covered California resend your info to the carrier. And re-send again.

Get an Incident Call Reference Number of the call, the name of the CovCal rep you speak with, and the date and time of your call(s).

Get a Ticket Number too, if one is created. CovCal just stopped creating Ticket Numbers for resending info to carriers. I suggest getting them to create a Ticket anyway.

A CovCal rep should follow-up with you too. Get the CovCal rep you speak with to make this follow-up commitment to call and/or e-mail you on your issue.

Re-sent info seems to be going through for my clients as of late. Seems to me this will be much easier than suing… if indeed CovCal re-sends correctly.

Issue is also then the carriers sitting on re-sent CovCal information, where this info can sit with the carriers in some ‘special’ receiving system, until manually checked and transferred to other more active system(s) within each carrier.

Have a rep at the carrier scour their systems to find the CovCal re-sent information. When you push them to motivate, they then often find it, “oh, here it is.”

Good luck!

Yes, as far as I know you can sue a state agency.

I purchased medical insurance on 6/7/14 through Covered CA because my COBRA coverage was ending on 6/30/14. I am being billed by my new insurance company retroactive to 1/1/14 because Covered CA listed my effective date incorrectly because I began shopping in 12/14 but did not select a plan until 6/14. After multiple requests for Covered CA to change the effective date, which have not been received by my new insurance company, I am facing cancellation and loss of the premiums I have already paid. Can I sue Covered CA for their lack of action and if so how do I proceed specifically.

Yes, Assurant offers mid-month effective dates. To be clear, subsidy opportunity with Assurant does not exist.

Also, Covered California should provide you an October 1st, effective date, upon loss of your COBRA coverage. To be ‘safe,’ apply before September 15th.

Unless you are dependent on the premium tax credits to pay a portion of the cost of your health insurance, I can get you coverage off the exchange through Assurant with a start date of September 15. Contact me through my website.

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