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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.


January 2018 Archives


Income Guidelines?

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Question: What are the salary limits for a family of 3 which includes one adult child that turned 26 years old in 2017. What type of income is included in the calculation for Covered California subsidies.

Answer: The adult child, age 26, must apply for his or her own coverage even though he or she lives in the parents household. Eligibility for public insurance or subsidized coverage is based on his or her income alone. Here are the key income guidelines for a single person.

$16,644 - below this annual income, you are eligible for Medi-Cal. Income above this number may make you eligible for premium assistance through Covered California.

$48,240 - below this annual income, he or she is eligible for premium assistance through Covered California, with no assistance above that number.

The parents are a household of two. Here are the key income guidelines for them.
$22,412 - below this annual income, the couple is eligible for Medi-Cal. Income above this number may make them eligible for premium assistance through Covered California.

$64.960 - below this annual income, they are eligible for premium assistance through Covered California, with no assistance above that number.


Roth IRA Withdrawal Income?

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Question: I am 62 years old. My total annual gross income for 2018 is $62,000 for my wife and I. We live in Northern California and qualify for subsidized premiums. If I withdraw $10,000 in 2018 from my Roth IRA, do I lose my eligibility for subsidies for 2018?

Answer: No. Since Roth IRA withdrawals are not taxed, the income from a Roth IRA does not increase your Adjusted Gross Income and does not affect your eligibility for premium assistance.

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