If you’re a California resident wondering whether you qualify for Medi-Cal in 2025, knowing the income limits is crucial. Medi-Cal, the state’s Medicaid program, provides free or low-cost healthcare coverage to eligible individuals and families. With new income thresholds in place, it’s essential to know if you meet the criteria for this vital assistance.
Income Limits
Medi-Cal eligibility depends primarily on household income and size. For 2025, the income caps are tied to the Federal Poverty Level (FPL), which determines who qualifies for full coverage. Here’s a breakdown of the income limits:
Standard Medi-Cal Coverage
| Household Size | Maximum Annual Income (138% FPL) |
|---|---|
| 1 (Single Adult) | $20,784 |
| 2 | $28,092 |
| 3 | $35,400 |
| 4 | $43,056 |
| 5 | $50,712 |
For each additional household member, the income cap increases. These figures are based on Covered California’s 2025 estimates.
Children’s Eligibility
Children qualify for Medi-Cal at a higher income level, up to 266% of the FPL. Here’s how it applies to a single-child household:
| Household Size | Maximum Annual Income (266% FPL) |
|---|---|
| 2 | $40,182 |
| 3 | $50,626 |
| 4 | $61,070 |
This expansion ensures that more children have access to healthcare coverage regardless of their family’s financial situation.
Medi-Cal for Seniors
Exceeding the standard income limits doesn’t necessarily mean disqualification. Seniors over 65 and individuals with disabilities may still qualify through the Medically Needy Pathway. Under this system, if your income exceeds the eligibility limit, you can contribute a “Share of Cost” before Medi-Cal covers the remaining expenses.
For example, if your monthly income is $1,000 and the income limit is $600, you would need to pay the $400 difference before Medi-Cal assistance kicks in. The Maintenance Needs Allowance (MNA) for 2025 is set at $600 for individuals.
Medi-Cal for Nursing Home
For those seeking nursing home or long-term care, Medi-Cal follows specific financial rules:
- Single applicants must have an income below $2,901 per month.
- For couples, if only one spouse requires nursing home care, the non-applicant spouse can retain up to $3,948 per month under the Monthly Maintenance Needs Allowance.
Additionally, Medi-Cal has eliminated asset tests since January 2024, meaning only income determines eligibility, making the application process simpler.
How to Apply for Medi-Cal
If you meet the income limits or need assistance determining eligibility, you can apply for Medi-Cal through:
- BenefitsCal website (apply online)
- Your local county Medi-Cal office (for in-person assistance)
With over 15 million Californians enrolled in Medi-Cal by late 2024, it remains a critical healthcare resource. Knowing these 2025 income limits can help you determine your eligibility and secure the medical coverage you need.
FAQs
What is the Medi-Cal income limit for a single adult?
The limit is $20,784 per year or 138% of the Federal Poverty Level.
Can children qualify for Medi-Cal with higher income?
Yes, children qualify up to 266% of the Federal Poverty Level.
How much can a non-applicant spouse keep?
The non-applicant spouse can retain up to $3,948 per month.
Does Medi-Cal still have an asset test?
No, since January 2024, Medi-Cal only considers income.
How do I apply for Medi-Cal?
Apply online at BenefitsCal or visit your local county office.
