Medi-Cal | Covered California™ (2024)

FAQs

What is the income limit for Covered California Medi-Cal? ›

In 2024, an individual in a one-person household is eligible for some degree of Covered California subsidies if they earn up to $33,975 Meanwhile, that limit rises to $69,375 for a household size of 4. These numbers refer to your Adjusted Gross Income (AGI) as found on line 11 of your Form 1040.

What is the difference in coverage between Medi-Cal and Covered California?​​​​ Medi-Cal is health coverage, just like the coverage offered through Covered California. Medi-Cal provides benefits similar to the coverage options available through Covered California, but often at lower or no cost to you or your family.

Covered California stated that your application was incomplete. You do not have other health coverage (such as free Medi-Cal or employer-sponsored insurance) that prevents you from qualifying for insurance through Covered California. Covered California stated that you are not a California resident.

Eligibility for Medi-Cal, California's Medicaid program, is primarily determined by income, with households needing to earn less than 138% of the federal poverty level (FPL).

eligibility for Medi-Cal. For new Medi-Cal applications only, current asset limits are $130,000 for one person and $65,000 for each additional household member, up to 10. Starting on January 1, 2024, Medi-Cal applications will no longer ask for asset information.

How will Covered California check my income? Covered California will check the income you reported on your application and compare it to what the IRS has on file for you.

If your income is too high for Medi-Cal, you may qualify to purchase health insurance through Covered California. Covered California offers “premium assistance.” It helps lower the cost of health care for individuals and families who enroll in a Covered California health plan and meet income rules.

If eligible, as of July 1, 2022 a California law allows you to receive full Medi-Cal coverage with $0 monthly premium. To qualify, you must: Meet the medical requirements of Social Security's definition of disability. Be working and earning income (this can be part-time work).

According to Covered California income guidelines and salary restrictions, if an individual makes less than $47,520 per year or if a family of four earns wages less than $97,200 per year, then they qualify for government assistance based on their income.

Who is Eligible for Covered California? All U.S. citizens, U.S. nationals and noncitizens lawfully present in California may apply for health care through Covered California. Who is Not Eligible for Covered California? If you are not lawfully present in California, you are not eligible for a Covered California plan.

Is Covered California available to everyone? ›

Any Californian can get health insurance through Covered California if he or she is a state resident and cannot get affordable health insurance through a job.

Beginning January 1, 2024, a new law in California will provide adults 26 through 49 years of age access to full scope Medi-Cal services and immigration status does not matter. All other Medi-Cal eligibility rules, including income limits, will still apply.

Covered California is the best option for getting an individual plan. You are still allowed to get insurance through an insurance broker, but there are four big reasons it is better to use Covered California: It's the only place where you can get federal or state help paying for your premiums and other health expenses.

The Department of Health Care Services (DHCS) needs the information to verify your income for Medi-Cal. DHCS will not use or share the information for other purposes except with your permission or as permitted by law.

Most single individuals will qualify for Medi-Cal if there income is under $1,676 per month. Most couples will qualify if their income is under $2,267 per month. If you have disabilities, your income can be slightly higher. You can qualify for Medi-Cal even if you have assets.

According to Covered California's official guidelines, “Your Modified Adjusted Gross Income is your Adjusted Gross Income (found on your tax return) plus any tax-exempt Social Security, tax-exempt interest, and tax-exempt foreign income you have.”