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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.


On SSDI with No Health Insurance

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Question: I am 54 and permanent disabled. I have been receiving Social Security disability insurance (SSDI) payments for the past 12 months. I do not have health insurance. I am required to wait another 12 months before I can go on Medicare. Am I eligible for Covered California coverage? Am I eligible for a subsidy or Medi-Cal?

Answer: Yes, you are eligible to purchase coverage through Covered California, and if your income is between 138% and 400% of poverty ($16,400 to $47,520 for an individual) you will qualify for premium tax credits. If your income is less than $16,400 for an individual, you are eligible for Medi-Cal.

Your eligibility for subsidies will end when your Medicare Part A and Part B coverage automatically begins after the two-year waiting period. At that point, you will have to pay the full price for your Covered California coverage or enroll in Medicare Part A, Part B and Part D.

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