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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.

Taking No APTC?

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Question: If I take 0 APTC next year, do I still have to fill out the financial section when I re-apply and provide documents for Verification? My income will probably be different next year than it is now.

Answer: I suggest that you simply update your Covered California account with your higher income projected for next year. If that places you above the threshold for premium assistance, you will receive $0 in advance premium tax credits. If that creates a documentation problem for you, here's another way to handle it. Use whatever income that your last tax return indicates, but change your premium assistance payment to annual mode. That way you'll get $0 in advance premium tax credits during the year, but should you qualify for any assistance based on your actual income for next year, you will receive it as a tax credit when you file your return.

1 Comment

I was overcharged $4141.92 for 2015 premiums due to an error on Covered California’s part. I have been trying to get a corrected 1095-A form since January 2016 to no avail. Emails go unanswered and phone calls seem to be futile when I speak with someone. One phone a week and they give me the same answer. “Give it another week”. Careful folks dealing with these people.

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