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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.


Replace COBRA with Covered California?

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Question: I am covered under COBRA from my former employer, but I pay the full premium. It’s more expensive than Covered California. Can I cancel my COBRA before it expires and buy Covered California instead?

Answer: Yes. You can cancel your COBRA coverage effective December 31, 2017 and enroll in a Covered California plan to be effective January 1, 2018. If you wait until Open Enrollment ends (January 31,2018), and drop your COBRA coverage or stop paying premiums before the COBRA coverage expires, you will not be eligible for a special enrollment and will have to wait until the next Open Enrollment period. Only expiration of your COBRA coverage triggers a special enrollment opportunity.

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