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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.

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.

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