What if someone in my household gets unemployment benefits?
If the primary tax filer or their spouse received unemployment insurance benefits or are approved for benefits for at least one week in 2021, the household will automatically qualify for a monthly premium as low as $1 per enrollee and the most generous level of cost-sharing reductions. Household members already in a Silver plan will be moved to a Silver 94 plan with even lower copays and deductibles. Use our calculator to see if you qualify.
If your household is not in a Silver plan, you must change plans to receive this additional financial help. Change your plan selection by signing in to your account, or call our service center at (800) 300-1506.
This provision, part of the American Rescue Plan, was enacted by Congress to provide pandemic relief. It is currently scheduled to end on Dec. 31, 2021.
Can I claim additional tax credit when I file taxes next year?
You may be eligible for the lowest premiums for every month you were enrolled in a Covered California plan if you reported receiving unemployment insurance benefits at any time in 2021. As a result, you may qualify for additional tax credit when you file your taxes next year.
Why don’t I see the new financial help for unemployment insurance benefit recipients on my bill or in the Shop and Compare Tool?
You need to log in to your account and report the unemployment insurance benefits you received on your application to receive the increased financial help, with premiums as low as $1 per member, and to qualify for a Silver plan with the lowest deductibles and copays. The changes in our system happened after most health insurance plan issuers’ bills were already generated for July. Check with your health plan issuer to learn when you will see the changes reflected in your monthly bill.
What if my income is low enough to qualify for Medi-Cal, and I’m receiving unemployment income? Do I qualify for a Silver plan for $1 a month?
If you report income consistent with Medi-Cal eligibility, you will be referred to your local county office. If you report income consistent with eligibility for Covered California, and the primary tax filer or their spouse reported unemployment income for any week in 2021, all household members who are not eligible for Medi-Cal will qualify for a Silver 94 plan for $1 per person.
We know, it’s a little confusing, so if you need free help enrolling, please contact us so we can help you find a plan that’s right for you.
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