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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.

Health Insurance Rates for Middle Income Folks See Big Cuts in 2021

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Question: Our family income is just above the income level to qualify for a health insurance subsidy. We pay almost $1,500 a month for health insurance. That’s too much.

Answer: The American Rescue Plan makes health care coverage more affordable by limiting a family’s required contribution for coverage to no more than 8.5% of household income. In your case — a family of four with an annual income of $105,000 — the monthly premium for the second-lowest silver plan would drop from $1,326 to $743.

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