Speak with a Covered California certified agent! Call (888) 413-3164 or Shop Online Now

Shop and Compare

California Health Insurance Plans and Rates

It's easy. Just enter your zip code.

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.


Is My Employer-Based Coverage Unaffordable?

By on | 1 Comment

Question: I earn less than 30,000 a year. I have 2 daughters and me. I'm insured through my employer. I am paying $400 a month. Do I qualify for a subsidy?

Answer: If you pay $400/mo for health insurance that does not include your daughters, it is officially "unaffordable" because it represents over 16% of your income. The law says you can cancel your unaffordable (greater than 9.6% of income) employer-based insurance. You are eligible to buy subsidized coverage at Covered California. Your daughters are eligible for Medi-Cal. Your cost for very good insurance will be about $100 per month.

1 Comment

Is the employer plan just for you, or does it include your dependents? If your job’s plan also includes your dependents then the employer may calculate the premiums with a safe harbor tool that makes the group insurance affordable for the three of you.

Leave a comment

Do You Have California Health Insurance Questions?

Ask An Expert

View Previous Questions
Call Us at (888) 413-3164


© 2019 California Health Benefit Advisers, LLC
Home / About / Start Shopping / Ask a Question

“Covered California,” “California Health Benefit Exchange”, and the Covered California Logo are registered trademarks or service marks of Covered California, in the United States. This web site is owned and maintained by California Health Benefit Advisers, LLC, which is solely responsible for its content.