Please include everyone that you will claim on your 2020 tax return, even if they are not enrolling for insurance. This will allow you to qualify for the highest subsidy and lowest premium.

Estimated Household Income for 2020
List the annual gross taxable income you anticipate receiving for January 1st through December 31st 2020 for everyone that is included on your tax return, even if they are not applying.

Please note that for any self-employment income, use the net amount (profit made after business expenses). This will determine if you qualify for a government subsidy and will be an estimate based on your family size and income. The actual subsidy amount will be finalized during the enrollment process.

What if I estimate my income too high?
If you estimate your income too high, you will end up getting less of a discount on your health plan, but you may get more money back when you file your taxes for 2020.

What if I estimate my income too low?
If you estimate your income too low, you will end up getting more of a discount on your health plan, but you may have to pay back some (or all) of your subsidy when you file your taxes for 2020.

What if my income changes mid-year?
If you have a significant change of income mid-year, please call us. We can adjust your income. If you are decreasing your income, that may increase your discount or put you on Medi-Cal. If you are increasing your income, that may lower the amount of your discount and increase your monthly premium, but it will protect you so you don’t take a big hit at tax time.

For Open Enrollment, you can apply now for 2020 without a Qualifying Life Event. If you have a Qualifying Life Event in the last 60 days, you can apply for an earlier date.

Qualifying Life Events include lost coverage (not through lack of payment), moved residence, had a baby, got married, etc.