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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.

Computing Household Income with Husband on Medicare?

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Question: My wife and I are covered for health insurance through my job but I am retiring at the end of 2016. I will be going straight into medicare but she is 61 and will need separate health insurance until she reaches 65. She does not work but will start receiving social security in May. For purposes of the premium subsidy, us only her income counted under household income or does have to include my retirement income count as well?

Answer: Yes. Your taxable retirement income is included with your spouse's social security income. When you open your Covered California online account, your wife should be the primary on the account, but include yourself as part of the household. Indicate that only she wants Covered California coverage, but include your total household income.



To Anon, Why no APTC? If you chose the “one lump sum”option then it really wouldn’t necessitate an income change. Anyway, it shouldn’t matter if the income dips below for the last couple of months if the expected annual income is well over the threshold for Medi-Cal.

My MAGI for 2016 will definitely be in at least the 40,000 range. Here is my question: does it matter if I make less than 1833 a month for the rest of the year. The household is my wife and I (2), and I do not take APTC. My wife does not have Covered California.

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