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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.

Payback All the Subsidy?

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Question: My 20 year old son is a dependent on my covered CA. His income put me over the Max amount of earnings to qualify. My tax credit was approx $1000 a month. Does that mean I have to pay back $12,000.00 dollars?

Answer: When you say "over the max amount of earnings", I assume you mean that your combined household income was over 400% of the Federal Poverty Level (FPL). If that is the case, then you will have to pay back all of the premium assistance (subsidy) you received in the previous year.


Your total income for the 2018 tax year will determine how much tax credit you were due for the year. You probably will have to pay back some or all of the tax credits you received while unemployed.

Getting tax credit of approx $1317 a month til July , starting new job first week in July With health ins . With new job I’ll be over the 400%, will I have to repay what I received the first 7 months??

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