The Covered California income limits require consumers to have a household income that ranges from 0% to 400% of the Federal Poverty Level (FPL) in order to qualify for assistance on a government health insurance plan. See the Covered California 2024 income limits chart below.
Income Guidelines Chart
Health Insurance Income Guidelines
Silver Enhanced Plans Based on Income
Income Limits During Pregnancy
Medi-Cal Income Limits for Children
How to ProvideProof of Income
Get a Quote and Calculate Your Discount
Based on your household income, you may qualify for up-front tax credits when you enroll in health insurance in California through the Covered California Health Exchange. Be aware that free health insurance plans are available!
Obamacare Income Guidelines Chart Based on the Federal Poverty Level
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. If the family has a lower household net income, then a greater amount of government assistance is available to the family. Tax deductions can lower your income level. View the Covered California income limits chart below.
Silver Enhanced Plans Based on Income
Health Insurance Income Limits During Pregnancy
Under the Affordable Care Act, all marketplace and Medicaid plans need to provide coverage for pregnancy and childbirth. You qualify for pregnancy coverage even if you’re already pregnant when you apply for coverage. It’s important to have health coverage when you’re planning on having a baby for the following reasons:
- It makes it easier to get prenatal care:Pregnant women should see their doctors regularly throughout the pregnancy to track the progress and detect any issues. Detecting problems with the pregnancy early on helps ensure the health and safety of you and your baby.
- It makes the delivery affordable:The U.S. is known for having one of the highest costs for delivery and maternity care globally. While you might have to pay something out-of-pocket, depending on your income and healthcare coverage, having insurance cuts the cost of delivery considerably.
- It gives you access to emergency care:Everyone wants a healthy pregnancy, but complications can occur. Getting immediate access to emergency treatment and care can help save you and the baby.
Since having health coverage and getting access to healthcare is critical during pregnancy, the income requirements for pregnant people are slightly different than those for people who aren’t currently expecting a baby. Here’s what you might qualify for, depending on your income level:
- Medi-Cal:If your earnings fall between 138% and 213% of the poverty level, you may qualify for modified adjusted gross income (MAGI) Medi-Cal during your pregnancy.
- Medi-Cal Access Program (MCAP):The Covered California income limits for MCAP are between 213% and 322% of the poverty level. MCAP charges a small fee and provides comprehensive coverage for pregnant individuals.
When you apply for Medi-Cal while pregnant, your eligibility is presumed while your application is reviewed. That means you can take advantage of immediate coverage, ensuring you and your baby get the care you need.
Income Limits for Medi-Cal for Families With Children
Adults qualify for Medi-Cal with a household income of less than 138% of FPL. However, according to the Covered California income guide, children who enroll on Obama Care California plans may qualify for Medi-Cal when the family has a household income of 266% or less. The children must be under 19 years of age to qualify. Also, C-CHIP, the County Children’s Health Initiative Program, offers health care coverage for children when the family income is greater than 266% and up to 322% of FPL.
How to ProvideProof of Income
Document proofs (including pay stubs, bank statements, etc.) may be required to verify your household income threshold. If you fail to provide proof of income, you may lose your Obamacare subsidy or your health care coverage.
Acceptable proof can include:
- A pay stub
- A bank statement
- Your W-2
- A tax return
Reporting Mid-Year Changes in Household Earnings
If yourincomeincreases during the year, this may affect what levels of subsidies you qualify for according to Covered California income limits. It also may affect whether or not you, your spouse or your children qualify for certain government assistance programs. If you have a significant income change mid-year, you may be required to report that to Covered California or to Medi-Cal.
Get a Quote and Calculate Your Covered California Discount
If you need health insurance or help affording health coverage, you might qualify for Medi-Cal or a subsidy. Health for California can help you determine whether you qualify for a subsidized or Medi-Cal plan based on your income and current situation. Geta quotetoday.
FAQs
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.
What is the income limit for Medi-Cal 2024-2023 monthly? ›
EWC 2024 Income Eligibility Guidelines
| Number of Persons in Family/Household | Monthly Gross Household Income | Annual Gross Household Income |
|---|
| 1 | $2,510 | $30,120 |
| 2 | $3,407 | $40,880 |
| 3 | $4,303 | $51,640 |
| 4 | $5,200 | $62,400 |
5 more rowsMar 8, 2024
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.
How much money can you make and still qualify for Medi-Cal? ›
You are 19-64 years old and your family's income is at or below 138% of the Federal Poverty Level (FPL) ($20,783 for an individual; $43,056 for a family of four). You are a child 18 or younger and your family's income is at or below 266% of FPL ($82,992 per year for a family of four).
Does Covered California check your income? ›
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.
What is the income limit for Covered California in 2024? ›
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 new law for Medi-Cal in 2024? ›
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.
How much income is too much for Covered California? ›
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.
Why did I get denied for Covered California? ›
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.
Is Covered California the same as Medi-Cal? ›
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.
asset information? 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 does Medi-Cal verify income? ›
Income can be verified by providing various types of documents such as the acceptable list below. One of the most common proofs is a pay stub. If you submit a pay stub, make sure that it is current and within the last 45 days; otherwise, Covered California may not accept it.
What if my income is too high for Medi-Cal? ›
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.
How do I adjust my income for Covered California? ›
To report changes, call Covered California at (800) 300-1506 or sign in to your online account. You can also find a Licensed Insurance Agent, Certified Enrollment Counselor or county eligibility worker who can provide free assistance in your area. Want to get started with Covered California?
What happens if you put the wrong income for Covered California? ›
If your income ends up lower than anticipated, you'll get a refund when you file your taxes. That's right, any premium assistance you were eligible for but didn't receive will find its way back to you. Just make sure you file your taxes on time to snag those tax credits that are rightfully yours.
Is Covered California worth it? ›
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.
What is the income limit for CalFresh in California in 2024? ›
Income Limits Effective October 1, 2023 to September 30, 2024
| Household Size | Maximum Gross Monthly Income | Maximum CalFresh Allotment |
|---|
| 1 | $2,430 | $291 |
| 2 | $3,288 | $535 |
| 3 | $4,144 | $766 |
| 4 | $5,000 | $973 |
2 more rowsThe 2024 Medicare income limit is $103,000 for individuals and $206,000 for couples.
