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One spouse offered insurance, the other does not...
Hello good people of OCF!
I have scoured the internet have not been able to find an answer to my question. So, here we go...
Spouse #1 is being offered, according to the rules, affordable insurance for him/herself (individual premium falls below 9.5%).
Spouse #2 declined health insurance on hire date and therefore is no longer qualified to receive insurance.
They are married, and have one child living in California.
Spouse #1 is not eligible for premium assistance through Covered California (CC) because that person has access to "affordable" insurance premium. Since spouse #2 is not offered insurance through the employer, does spouse #2 and child qualify for CC?
Spouse #1 is offered a family premium plan. Does that make spouse #2 and child ineligible for CC?
My hope is that Spouse #1 can obtain self insurance through the employer, while spouse #2 and child can benefit from lower premium via CC. In total, if this was to work, it would result in a savings in the range of $434.40-$481.92.
Looking forward to hearing some solid advice.
Thanks in advance!