As we kick off 2025, it’s important for California residents to stay informed about the Medi-Cal income limits. Medi-Cal, California’s Medicaid program, offers vital health coverage to low-income individuals, families, seniors, and people with disabilities. But to qualify for the program, applicants must meet specific income requirements. Here’s what you need to know about the Medi-Cal income limits in 2025 and how much you can earn to qualify.
Income Limits for 2025
In California, Medi-Cal eligibility is based on your household size and income, along with other factors like age, disability status, and whether you’re pregnant. The state follows the Federal Poverty Level (FPL) guidelines, but due to expanded coverage under the Affordable Care Act (ACA), the eligibility thresholds may differ for certain groups.
For most adults under 65, Medi-Cal covers those with incomes up to 138% of the Federal Poverty Level (FPL). This is around $20,120 per year or $1,677 per month for a single person. For a couple under 65, the income limit increases to $27,214 annually or $2,268 monthly.
When it comes to families with children, the income limits are higher. For example, a family of three can make up to $38,024 a year or $3,169 per month, while a family of four can earn $45,936 annually or $3,828 monthly.
Pregnant women have slightly higher limits. They qualify for Medi-Cal if their income is up to 213% of the FPL, which is about $38,050 a year or $3,170 per month for a family of two.
For seniors (age 65 and older) and people with disabilities, Medi-Cal eligibility may depend on additional factors like medical expenses and whether the person is living with a disability. These groups typically qualify at 138% of the FPL, but there may be extra deductions that can affect eligibility.
Other Important Considerations
Remember, Medi-Cal eligibility is not just about income. Other factors like household size, pregnancy, and disability status play a role in whether you can qualify. California is also working to expand Medi-Cal coverage for residents regardless of their immigration status, meaning undocumented individuals may also be eligible for coverage under certain programs.
How to Apply for Medi-Cal in 2025
If you think you might qualify for Medi-Cal in 2025, the application process is easy. You can apply online through the California Department of Health Care Services or through Covered California, the state’s health insurance marketplace. You can also apply in person at a local office or via mail. Need help? Local community organizations and county social services offices can guide you through the process.
Key Takeaways
In 2025, California’s Medi-Cal program continues to provide essential healthcare for low-income residents. Whether you’re an individual, a family, a senior, or someone with a disability, it’s important to understand the eligibility limits and how to apply. With income limits set to accommodate many low-income Californians, Medi-Cal remains a critical resource for those who need it most.
