Question: My husband is insured through his employer here in California. There is a very small staff (under 10). I have not been offered health coverage, for my husband says that the employer is not obligated to offer it to me, or our son. Is this true? I have read conflicting items online. Thank you.
Answer: It is virtually certain that your husband's employer-sponsored small group coverage includes coverage for dependents even though you may find it unaffordable because the employer is not required to make any contribution toward dependent coverage. That means you have "access" to small group coverage and are probably ineligible for premium assistance and cost-sharing reductions through Covered California. However, if you cannot enroll in your husband's plan now due to being outside the plan's open enrollment period, I see no reason that you can't enroll in CC with premium assistance until you can be added to his employer's plan at the next plan renewal.
Currently in California, SHOP and Cal Choice are the only sources that allow groups to offer coverage to employees without including dependents. Your husband's employer should consider changing coverage to SHOP or Cal Choice and elect "employee-only" coverage. That will free all the dependents to eligibility for premium assistance and cost-sharing reductions through Covered California. If the employer goes with SHOP, the company may be eligible for small group tax credits as well. Employers should contact their broker for more information.