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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.


Adding Household Member with $0 Income?

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Question: I'm applying for myself and my husband. I currently have a job and indicated income for myself on the application, however my husband is temporarily unemployed. Even though I didn't claim any income under his name, after I submitted my application I was asked to submit proof of income for him.From the look of it, my application won't be considered "complete" until all documents have been submitted, so I'm really not sure what to do.

Answer: Generally you have 90 days to submit the proof of income. My guess is that the eligibility screen is locked up due to the reason code chosen during the Special Enrollment Period, not due to the need to show proof of income. I strongly recommend that you find a Certified Insurance Agent to help you with the application. It doesn't cost you anything and will save you considerable grief.

1 Comment

Yes, this has been an issue from Day 1 … how do you provide proof of NO INCOME? If your husband has applied for unemployment insurance benefits, you will have a determination letter that can be uploaded. Otherwise, you can also submit a simple letter or declaration that states “John has been unemployed since September 2015. He has no current income and has had no income since he became unemployed.” I have yet to have an application held up when I have submitted such statements for clients.

It’s a redundancy that can’t be corrected easily. Sort of like asking someone, “So, tell me, have you stopped beating your spouse yet?” Yes or No doesn’t work for someone who never beat his/her spouse to begin with.

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