Question: I'm 52. My wife is 49. We make 60 thousand a year. My son is 19 and he live in our basement but is never home. He files his own taxes and claims himself. He works full time but would be on medical if our income was not added to covered cal. Does he have to pay for insurance or can he file medical by himself.

Answer: ​Yes. He can apply for Medi-Cal by himself. Be aware that once you drop him from your Covered California account you become a 2-person household and your subsidy will be less than it was as a 3-person household given the income is the same.