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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.


Can I Get Private Insurance Subsidy?

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Answer: I am fortunate to live with a daughter who has paid for my entire monthly insurance plan out of her pocket (she didn't claim me as dependent, so she also doesn't get any tax credit). For upcoming 2015 year, we feel that it is putting a lot of strain for her to pay close to $9000. Though Medical is an option for me, we both would prefer to stay with private insurance. I don't have any income. I live with my daughter who provides me with everything. If I can get CC subsidy, I wouldn't mind filing a tax return. My question is: is there any way I can go through CC and opt out of medical? My daughter is willing to pay me for housework, etc. Wondering if that's something I can report to IRS, thus I can become eligible for CC subsidized plans.

Answer: You are eligible for Medi-Cal, but you don't have to take it. You can choose private coverage instead, but will not be eligible for a subsidy. Your daughter can pay you a salary, but you would have to earn over $16,500 per year for you to qualify for a subsidized private coverage rather than Medi-Cal.

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