Question: I make $50,000 a year and my husband makes less than $20,000 a year. He’s currently on my insurance plan through my employer, but it has gotten too expensive and we cannot afford it. I wanted to see if he can apply for covered California on his income alone.
Answer: Your spouse is ineligible for premium assistance (subsidy) through Covered California because he has access to your employer’s health plan. He can off exchange insurance coverage without a subsidy, but the cost may be similar to spouse coverage under your employer-based coverage. Your incomes have no effect in this case.