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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.


Why a Minimum Income Limit?

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Question: My ex-wife lives with my son and he will claim her on his 2017 taxes. He is a student and works part time with an expected income of 15,500 gross for 2017. His mother does not work and has zero income. He applied under Covered California and was denied assistance or tax credits due to his income being too low. His mother was placed on Medi-Cal. Why would they deny him assistance or credits because his income for a family size of 2 is too low.

Answer: His income would have to be over $22,000 annually in order to qualify for Covered California coverage otherwise he is eligible for Medi-Cal. This rule exists because it is more expensive for the government and ultimately the taxpayers to provide highly-subsidized coverage on Covered California than to provide Medi-Cal coverage.

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