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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.

HSA Eligibility?

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Question: I have an HSA and a high deductible plan, but found out that if you have any co-pays, you're not eligible to use them. I have copays for the first three office visits, but am not covered for anything else until the deductible is met. I cannot find an HSA compatible plan in California anymore. Am I not eligible for an HSA because of these three copays?

Answer: The high deductible plan you currently have is not HSA compatible. You will have to switch plans at the next open enrollment period in order to make contributions to your HSA starting in 2017. Here are 3 HSA compatible plan options: Anthem Bronze HSA PPO, Blue Shield Bronze 60 HSA PPO, and Kaiser Bronze 60 HSA HMO.

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