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
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 maximum income to qualify 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.
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.
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.
Do I make too much money for Covered California? ›
Covered California income limits are a household income of up to 400% of the Federal Poverty Level (FPL). Households who make more than that do not qualify for financial assistance with their health insurance plans. How much is this in hard figures? The limits are based on both household income and household size.
What is the maximum monthly income to qualify for Medi-Cal in California? ›
Medi-Cal's Working Disabled Program
| Income-Based |
|---|
| Must have: | Low to moderate income |
|---|
| Income Limits: | Countable Income less than 250% of the Federal Poverty Level ($3,138 per month for individuals, $4,258 for couples) |
| How Income is Counted: | SSI's countable income calculation, but any disability income is not considered income |
32 more rowsIf 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.
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.
Can I have money in the bank and still get Medi-Cal? ›
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.
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.
Can I get Covered California if I have a job? ›
You can still sign up for a health plan through Covered California. You will have to pay full price unless your employer-sponsored coverage is considered not affordable and does not meet minimum value standards.
What is the income limit for Covered California 2024? ›
Newsom, new benefits that will further decrease the cost of health care will be available in 2024 for Californians with incomes up to 250 percent of the federal poverty level, or $33,975 for single enrollees and $69,375 for families of four.
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.
What is the highest income to qualify for Obamacare? ›
Obamacare subsidy income limits for 2024
| Household size | Min. income | Typical max. income |
|---|
| 2 | $19,720 | $78,880 |
| 3 | $24,860 | $99,440 |
| 4 | $30,000 | $120,000 |
| 5 | $35,140 | $140,560 |
1 more rowJan 2, 2024
This means an eligible single person can earn from $14,580 to $58,320 in 2024 and qualify for the tax credit. (Tax credit information for the 2024 coverage year is based on 2023 federal poverty guidelines.) A family of three would qualify with income from $24,860 to $99,440 in 2024.
