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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.

Can I Remove My 3-yr Old from Employer Coverage?

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Question: We have a family coverage that's through my employer. It's a PPO. Can we still have a covered CA insurance just for our son? There are certain therapy he needs that's not covered by my insurance.

Answer: Your son cannot have a second health insurance plan, either Covered California or off-exchange, if he is already covered by your employer-based insurance plan. There is no option to make a change in his coverage at this time. Even if you were willing to pay full-price for health plan for your son, you would have to first voluntarily cancel his coverage under your group plan, but that would make him ineligible for a Special Enrollment in 2016. You will have to wait until Jan 1, 2017 to make that change.

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