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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.


Does HRA Nix Subsidies?

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Question: I receive an HRA monthly payment from my last employer (now retired) of around $270 per month. In 2017 I used Covered California to select a plan. At that time I did not apply for any Tax credits against my plan. For 2018, based on my income, I would qualify for about $550 tax credit. Can I apply for Tax Credits when I receive the HRA payments?

Answer: Your HRA benefit does not affect your eligibility for Advance Premium Tax Credits through the Affordable Care Act. You must update your 2018 income estimate in your Covered California account either online or at the call center 800-300-1506. Make sure that your profile indicates that you want help with your premium payments. No need to cancel your HRA benefits as long as your former employer chooses to keep paying. You can use it for out-of pocket medical expenses other than the monthly premium - things like dental care, chiropractic care, and acupuncture that are not covered well on your health plan.

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