Question: I need to know if I am required to put my 21 year old son on my employer insurance now? He does not work and would qualify for Medi-Cal. Also, if I claim him as a dependant does that factor into if I must add him?

Answer: Your son can opt out of your group health insurance plan and enroll in Medi-Cal even though he has been offered affordable, minimum-standard value health insurance through your employer if you do not claim him as a dependent in 2015. If you do claim him, his eligibility for Medi-Cal (or subsidized private insurance) will depend on your household income, not his.