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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.

Qualify for CC Subsidy?

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I will be unemployed as of 12/31/15, so my income will drop substantially (to about $26,000/yr. until employed or collect unemployment). At this time, I am personally paying $675/mo. with a $5,000 deductible for health care through Anthem BC. I have 2-1/2 more years before I qualify for Medicare. Would Covered California be a viable option for lesser premiums and/or deductible? Thank you for your help. maureen.oconnor.us@gmail.com


We have a household of three (2 adults & a teen) and my husband will clear about 39k this year. I lost my job earlier this month and do not have any UI yet. Since I had insurance through my employer I lost my coverage was well as my income so I applied to covered CA and was given a premium of about $40 per month based on our current income, I assumed. I paid that bill and the coverage is supposedly effective 11/1 so we haven’t even used it yet but we have the cards. I just got a letter about renewing for 2016 and when I went through the Covered CA website again it now says the same plan will be at least four times as much, which I can’t afford without any income obviously.

Why would this change, what made it go up? My income was lost so my insurance costs more now? My husband’s income is actually less than they calculated so I am not sure where they even got that number. Our AGI last year was 78k but I divulged that when I applied initially so that should not have changed. Is what we made last year determining next year’s rate even though I have since lost my job?

Hello Maureen. Yes, you would receive a higher assistance amount to help pay your premium at $26,000.00. To get a better idea how much subisdy you may expect to receive where you live, and the types of plans that would be available, you can visit www.coveredca.com, and use the “shop and compare” tool. This tool is designed to help you understand your options. Unfortunately, the website was recently upgraded and as of today, it doesn’t seem to be working. Try again in a few days.

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