Can You Really Qualify for Medi-Cal in California in 2025? Find Out If You’re Eligible Now!

Hey! If you’re wondering whether you or your family can get Medi-Cal (that’s California’s Medicaid program) this year, you’re in the right place. I know all this stuff about income limits and eligibility can get confusing, so let me break it down in a way that actually makes sense.

What’s Medi-Cal Anyway?

Medi-Cal is basically health insurance for people who don’t make a lot of money. It helps cover doctor visits, prescriptions, hospital stays — all the stuff you need to stay healthy without breaking the bank.

How Much Can You Make and Still Get Medi-Cal?

This is the big question. The government uses something called the Federal Poverty Level (FPL) to decide who qualifies. Here’s a quick look:

• Adults (19 to 64 years old):
  You can make up to about 138% of the poverty level and still get Medi-Cal. For one person, that’s around $21,600 a year. For a family of four, about $44,400.

• Kids (under 19):
  Kids get a break — their families can make up to 266% of the poverty level. So for a family of four, that’s roughly $85,500 a year.

• Pregnant people:
  If you’re pregnant, the limit’s higher — about 213% of the poverty level. For a family of four, that means around $69,500.

Who Else Qualifies?

You don’t have to fit the income part only. If you’re 65 or older, disabled, pregnant, or have kids under 21, you could still qualify. Even if you’re living in a nursing home or taking part in other assistance programs, you might be eligible.

Good News — No More Asset Limits!

Before, they used to check how much money you had in the bank or what property you owned. Now? That doesn’t matter anymore. California got rid of those asset limits starting in 2024, so it’s all about how much you earn.

How to Apply?

Applying is pretty simple:

• Online at Covered California

• In person at your local county social services office

• By mail or fax

• Or just call your county office and ask for help

What’s Next?

There’s some talk about new rules for undocumented immigrants needing to pay monthly fees, but nothing’s official yet. Keep an eye out for updates.

If money’s tight or you’re just not sure, definitely check if Medi-Cal is right for you. It can save you a lot on healthcare, and the rules are more straightforward than ever.

If you want help figuring it all out, just say the word. I’ve got you!