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 to eligible individuals and families.
With new income thresholds in place for 2025, let’s break down the qualifications based on household size, income, and special circumstances.
Income Limits
Medi-Cal eligibility is primarily based on household size and income level. For adults under 65, eligibility is set at 138% of the Federal Poverty Level (FPL).
Here’s a breakdown of the maximum income limits to qualify for full Medi-Cal coverage:
| Household Size | Maximum Annual Income (138% FPL) |
|---|---|
| 1 (Single Adult) | $20,784 |
| 2 | $28,148 |
| 3 | $35,520 |
| 4 (Family of Four) | $43,056 |
For children, the income threshold is higher, allowing more families to qualify. Children can receive Medi-Cal if household income is up to 266% of the FPL, which equates to about $40,182 annually for a single-child household.
Exceptions
Exceeding the standard income limits doesn’t necessarily mean you’re disqualified. Medi-Cal offers special pathways for seniors, people with disabilities, and those needing long-term care.
Medically Needy Program
If your income is above the limit but you have high medical expenses, the Medically Needy Pathway could help. Here’s how it works:
- If your monthly income is $1,000, but the Medi-Cal limit is $600, you must pay the $400 difference as a “Share of Cost” before coverage kicks in.
- In 2025, the Maintenance Needs Allowance (MNA) for individuals in this category is $600 per month.
Nursing Home Care
For individuals requiring nursing home care, income limits differ:
- Single Applicant: Maximum monthly income of $2,901
- Couples: If one spouse needs care, the non-applicant spouse can retain $3,948 per month through the Monthly Maintenance Needs Allowance.
No More Asset Limits
A major change that took effect in January 2024 is the removal of asset tests for most Medi-Cal applicants. Previously, applicants had to stay within a strict asset limit, but now, only income is considered.
How to Apply
Applying for Medi-Cal is simple and can be done through multiple channels:
- Online: Apply at BenefitsCal.
- By Phone: Contact your local county Medi-Cal office.
- In-Person: Visit a county office for assistance.
Final Thoughts
With over 15 million Californians enrolled in Medi-Cal by late 2024, this program remains a vital lifeline for many. Whether you’re an individual, a family, or a senior in need of long-term care, knowing the 2025 income limits is the first step in securing your health coverage.
Check your earnings against these thresholds and apply if you qualify—you deserve access to affordable healthcare.
FAQs
What is the income limit for Medi-Cal in 2025?
For a single adult, the annual income limit is $20,784 (138% FPL).
Can I qualify for Medi-Cal if my income is slightly higher?
Yes, programs like the Medically Needy Pathway may help with eligibility.
Do Medi-Cal applicants still need to meet asset limits?
No, as of 2024, asset limits have been removed for most applicants.
How much can a spouse keep if the other needs nursing care?
A non-applicant spouse can retain up to $3,948 monthly.
Where can I apply for Medi-Cal?
You can apply online at BenefitsCal or visit your local county office.
