California Medi-Cal Eligibility Calculator 2025
Instantly estimate your potential eligibility for California's Medi-Cal program based on 2025-2026 income limits. This tool is for informational purposes only.
A comprehensive guide to eligibility, income limits, and program changes for California's Medicaid program.
Program Overview
California Medicaid (Medi-Cal) is a public health insurance program financed equally by the state and federal government. Administered by the California Department of Health Care Services (DHCS), it serves as a vital safety net for millions of Californians.
2025 Income Limits (MAGI-Based)
For most adults and children, eligibility is based on Modified Adjusted Gross Income (MAGI) relative to the Federal Poverty Level (FPL).
| Category | FPL Limit | Single Person (Annual) | Family of 4 (Annual) | Add. Person |
|---|---|---|---|---|
| Adults (19-64) | 138% | $21,597 | $43,056 | +$7,425 |
| Children (0-18) | 266% | $40,060 | $82,992 | +$14,311 |
| Pregnant Women | 213% | $32,078 | $65,136* | +$11,460 |
*Estimated based on FPL multiplier. Note: In C-CHIP counties (Santa Clara, San Mateo, San Francisco), children are eligible up to 322% FPL.
⚠️ Critical 2026 Change: Asset Limits Reinstated
Effective January 1, 2026, California will reinstate asset limits for non-MAGI Medi-Cal applicants (elderly, blind, and disabled) after eliminating them in 2024.
- Individual Limit: $130,000
- Couple Limit: $195,000 (approx. combined)
- Community Spouse: $157,920
Note: MAGI-based Medi-Cal (standard adults & children) continues to have NO asset limits.
Immigration & Eligibility
Changes Effective Jan 1, 2026:
- New Enrollments Frozen: Undocumented adults (19-59) can no longer enroll in full-scope Medi-Cal.
- Restricted Scope: New applicants in this group will be limited to emergency services only.
- Exempt Groups: Children (0-18), Young Adults (19-25), Adults 50+, and Pregnant individuals retain full access.
Covered Benefits
Medi-Cal provides comprehensive health coverage with little to no out-of-pocket costs.
- Doctor Visits & Specialists
- Hospitalization & ER
- Prescription Drugs
- Maternity & Newborn Care
- Mental Health Services
- Dental Care (Denti-Cal)
- Vision Services
- Transportation (Non-medical)
- In-Home Supportive Services
- Long-term Care
How to Apply
- Online: CoveredCA.com or BenefitsCal.com
- Phone: Call 1-800-300-1506
- In Person: Local county social services office
- Mail: Submit a Single Streamlined Application
Timeline: Approval usually takes up to 45 days.
Managed Care
90% of beneficiaries must enroll in a Managed Care Plan (MCP) to receive services.
- You have 30 days to choose a plan after approval.
- If you don't choose, you will be auto-enrolled.
- Select plans at Health Care Options.
Share of Cost (SOC)
If your income is too high, you may still qualify with a "Share of Cost" (like a monthly deductible).
Key Government Contacts
Denti-Cal
1-800-322-6384California Medi-Cal Eligibility FAQ (2025/2026)
Who can get Medi-Cal in California for 2025?
Medi-Cal gives free or low-cost health coverage to low-income California residents. You qualify if your income is below the set limits and you live in California. Most adults, children, and pregnant women can get it if they meet the rules. For specific income limits by household size, check the California Medi-Cal income limits chart.
What are the income limits for California Medi-Cal in 2025?
If you’re an adult, you can get Medi-Cal if your yearly income is up to $21,597 for one person. For each additional person in the household, add about $7,590. The limits are higher for pregnant women and children. See the complete chart on the official Medi-Cal income limits page for the full breakdown.
Can undocumented immigrants get Medi-Cal in California?
Yes. Starting in 2024, California expanded Medi-Cal so that income-eligible residents can get coverage regardless of immigration status. Applicants still must meet the income rules and be California residents.
What are the Medi-Cal income rules for kids and pregnant women?
Children may qualify at household incomes up to about 266% of the federal poverty level; pregnant women qualify at incomes up to about 213% of the poverty level. Check the income chart for exact thresholds by household size and program.
Do older adults and disabled people have different Medi-Cal rules?
Yes. Older adults and people with disabilities may face different income and (for some groups) asset limits. In 2025 many groups do not have asset tests, but asset rules may change for some categories in 2026. Consult the income and eligibility chart for details.
How do I apply for Medi-Cal in California?
You can apply online via Covered California, by mail, by phone, or in person at your county social services office. Be prepared to provide income, household information, and proof of California residency.
Will Medi-Cal cover me if I lose my job or income?
Yes. Medi-Cal eligibility is based on current income. If your income drops (for example you lose your job), you can apply and may become eligible quickly.
Do I have to pay monthly premiums for Medi-Cal?
Most people do not pay monthly premiums for Medi-Cal. A few programs or special coverage types may have small fees, but the majority of eligible families receive Medi-Cal without monthly premiums.