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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.

Split Coverage and Subsidy?

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Question: If a spouse wants to stay on COBRA while the other spouse applies for Covered California during open enrollment, will the "household income" calculation still apply to both spouses' total income even though the coverage is for one?

Answer: Yes. The combined income of both spouses is used in the subsidy calculation even though only one spouse will require coverage through Covered California. Of course, the subsidy will be less for the one spouse enrolled than it would have been if both enrolled.


Kelly, your beef is with the IRS. They made the rules on households for the ACA premium tax credits. It is what it is.

Hi, For 2014 I had coverage with CC where I got coverage for my $370 a month premium. I only had to pay $74. I just got denied for 2015 since I am married but didn’t file together. This is completely unfair since my husband and I do not share money. We file separately because of that. I have my own business and my money is my money. I don’t know what to do now since I cannot afford that amount, so my only option is to have a really shitty plan with little coverage and high deductible? I don’t understand how CC is helping people? I feel completely screwed by this system especially as a small business owner. It is already hard. I need help to figure my options. Would it be cheaper if I try to get insurance through my business? I just don’t know what I am suppose to do not who to talk to since when I call CC, no one knows anything. They are completely unhelpful. Please let me know if you can help guide me .

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