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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.

March 2018 Archives

Ending COBRA Now?

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Question: We have been continuing coverage through COBRA since August, but our premiums are so high we want to switch to Covered California. Does canceling the coverage count as a qualifying event if it's accompanied by spouse being pregnant? What are our options if we are unable to enroll in Covered California but still wish to cancel COBRA?

Answer: You can be eligible for Covered California premium assistance if your COBRA coverage is cancelled during the open enrollment period or when the COBRA coverage expires usually after 18 months. If you drop it now, you can probably find an individual plan plan with lower premiums than your COBRA, albeit with less coverage.

Also check Health Coverage Options for Pregnant Women under Medi-Cal.

Question: I have Blue Shield silver 87 but it turns out very few doctors in my aria accept Blue shield, and the few that do take forever to get an appointment too see, So I'm was wondering if I could change my plan I was thinking of Kaiser Permanente gold hmo, even though my monthly payments would be considerable more at least when I had Kyser I could see a doctor in a timely fashion when I needed one!

Answer: No. You can't change your health insurance plan until the next open enrollment period which is November-December 2018. You can switch to Kaiser then and the new coverage will be effective on January 1, 2019.

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