Covered California Application

Posts related to the Covered California application, consumer account, estimating income, household size, monthly subsidies, health plans, Medi-Cal, and terminations.

Peter Lee Of Covered California Hopes To Squash Health Care Sharing Ministries

March 8, 2019 By Kevin Knauss Leave a Comment

If the carriers feel threatened by the HCSM plans, they should lobby the legislature to ban those plans as well. Don’t use health insurance agents, under the guise of retribution from Covered California, to achieve the objective of limiting the enrollment in these plans. I completely get that if all the healthy people leave the pool, the carriers are going to have problems paying claims, and may exit the market altogether. We don’t want this to happen. But I’m just the agent. Don’t shoot me to protect your business model.

2019 Medi-Cal Program Income Levels For Families And Individuals

February 25, 2019 By Kevin Knauss Leave a Comment

The benchmark 100% federal poverty level income for a single adult increased 3% from $12,140 in 2018 to $12,490 for 2019. The all important Covered California premium tax credit eligibility income (138% of the FPL) for a single adult increased from $16,754 for 2018 to $17,237 in 2019. This means a single adult now has to have an annual Modified Adjusted Gross Income (MAGI) of $17,237 to be eligible for Covered California if they apply for health insurance in 2019.

Covered California Enrollment Decline Not Solely Based On Individual Mandate

January 30, 2019 By Kevin Knauss Leave a Comment

The cost of the individual mandate is nothing compared to the cost of a decent health insurance plan. People are not enrolling in health insurance because it is too damn expensive. I don’t know what percentage of the decline in new enrollments for Covered California is due to expensive health insurance and they don’t know either. Talk to any health insurance agent they will tell you they fielded many calls from consumers wanting a lower rate on health insurance. They were willing to take anything, even if crappiest of plans if they could just afford it. I don’t sell them, but I had to inform people of the health care sharing ministries. These health care sharing plans are not insurance, but they can seem like a health plan for half the cost of a Covered California plan. How many people enrolled in these health care sharing plans and by-passed Covered California and the off-exchange plans altogether?

Explaining Medi-Cal & Covered California Federal Poverty Level Income Amounts

January 10, 2019 By Kevin Knauss 3 Comments

Where a primary source of confusion starts to creep into the preliminary eligibility determination for either Medi-Cal or Covered California hinges on when the new FPL amounts are considered for eligibility. This is where the rules concerning determining eligibility are not necessarily aligned between Medi-Cal and Covered California. The rules put forth by the ACA govern how Covered California applies the FPL amounts for determining eligibility for the Premium Tax Credit subsidy, which are slightly different than Medi-Cal. The Department of Health Care Services, the agency that administers Medi-Cal, must abide by older federal rules for eligibility determinations.

New Adjusted Gross Income Federal Income Tax Line For Covered California Income Estimates

January 4, 2019 By Kevin Knauss Leave a Comment

Basically, the redesigned 2018 form 1040 has made it more difficult to quickly locate all the necessary information for estimating a household’s MAGI. Virtually all of the dollar amounts were listed on the first page of the old form 1040. Now Covered California participants will have to review page 2 of the 1040 and Schedule 1 income and deductions to get most of the information for their estimated MAGI.

Wrong Subsidy Amount With Covered California Enrollment Groups

December 26, 2018 By Kevin Knauss Leave a Comment

Even though the Covered California programs indicated one subsidy amount, a higher amount was actually applied to the first family member’s health insurance premium. It is clear from the displays that Covered California is applying too much APTC. In the first illustration, John was eligible for $272.12 per month, but Covered California applied $377.12.

Is Your Adult Child Eligible For Medi-Cal or Covered California On Your Account?

November 26, 2018 By Kevin Knauss Leave a Comment

When your son or daughter is earning money from a job, but still living at home, it can be a bit confusing when applying for health insurance through Covered California. When do you count your child’s income for Medi-Cal or Covered California? Should your child have their own health plan? Do they file their own taxes? Are they still going to school?

Large Families Get A Triple Bonus Through Covered California

November 15, 2018 By Kevin Knauss Leave a Comment

So here is the third subsidy bonus for large families. Not only are you billed for only three children, but you get a larger subsidy based on the entire household size. When you combine that with the inflated Silver plan rates, relative to the lower off-exchange Silver plans, large families get a nice subsidy to lower their health insurance premiums. You don’t pay for any more than three children, but you get the Premium Tax Credit as if the whole family were being billed for health insurance.

Did Covered California Designate You An American Indian Or Alaska Native?

November 12, 2018 By Kevin Knauss 1 Comment

Upon review, the consumer was now listed as an American Indian or Alaska Native, there was no selection for current health insurance or Medicare enrollment, and the application showed a higher income than we had estimated for 2019. This is not the first time I have seen individuals and whole families being flipped into American Indian or Alaska Native designation. As mentioned earlier, Covered California seems to automatically erase the current health plan information during the renewal. But this was not a renewal, just a correction to Medi-Cal eligibility.

Covered California Response To Fear Over Public Charge Proposed Rule

November 7, 2018 By Kevin Knauss Leave a Comment

The proposed rule is complicated and has many conditions and exclusions. Because of this complexity, many individuals and families with lawful permanent status, and enrolled in Covered California, or who have children enrolled in Medi-Cal, are fearful as being labeled as a Public Charge. Covered California has sought to allay the fears of people who might be affected by the proposed rule that their participation in Covered California and monthly premium tax credit subsidy they receive will not adversely impact their status.

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Covered California Application