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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.

Consumers After Obamacare?

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Question: I currently get a subsidy for my insurance on Covered California. If the Affordable Care Act is repealed, will I be able to change my plan to a lower-cost plan?

Answer: While it now seems certain that the Affordable Care Act (Obamacare) will be replaced, nobody knows what will replace it. We can make some educated guesses though. President Elect Trump had indicated that he wants to keep the "guaranteed issue" feature, but those with preexisting conditions could pay a higher premium. Look for subsidies as well as penalties to go away. The health insurance companies will be less restricted in what they can offer. Look for cheaper plans that don't cover as much. So you will probably not be able to buy a lower-cost plan, but without a subsidy.


Mary Beth, While the democrats in congress do have the power of the filibuster repeal attempts, the new administration can “vandalize” the law almost immediately by stopping the funding of subsidies and Medicaid expansion. They will have to provide some kind of transition to whatever system replaces the ACA, so I would think that Covered California will continue to function as is through 2017 at least.

It will be very difficult to repeal Obamacare and it will take a long time.

If Covered California cannot continue without federal subsidies, how long do we have and what will replace it?

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