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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.


Covered California and Medi-Cal in Same Household?

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Question: Hello,My wife and I are enrolled in Covered California healthcare blueshield ppo 87. We claimed my mother in-law as dependent on tax return. My question is can my mother in-law still apply for medical while my wife and i have this blueshield ppo 87 ? Household income is about $40K. Thank you.

Answer: I assume that your mother-in-law is included in the three-person household for which you received premium assistance and reduced out-of-pocket expenses through Covered California. She is not eligible for Medi-Cal unless you remove her as a dependent for federal income tax and change your Covered California account to a two-person household. It would be expensive for you to do that. You would lose the $4050 dependent tax deduction for 2017 and going forward. Also, some of the premium tax credits you received while your mother was listed as part of the household, will be reflected as added taxes for 2017. Additionally, as a two-person household your premium assistance would decrease by about $50/mo compared to a three-person household.

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