Looking for the California Medi-Cal income limits for 2025? Here’s the quick answer:
- Adults (138% FPL): $21,597/year for 1 person, $44,367 for a family of 4
- Children (266% FPL): $41,629/year for 1 child, $85,519 for a family of 4
- Pregnant Individuals (213% FPL): $33,335/year for 1, $68,480 for a family of 4
- MCAP Pregnant (322% FPL): $50,393/year for 1, $103,523 for a family of 4
- Aged/Disabled: $1,801/month (individual) or $2,433/month (couple)
These are the specific thresholds for California. To see how they compare with other regions, check our complete guide on Medicaid income limits by state.
For a personalized estimate based on your exact household and income, the fastest tool is our California Medicaid calculator.
Updated with the latest 2025 Federal Poverty Level (FPL) guidelines, this guide shows you all Medi-Cal eligibility income limits in one master chart. Whether you’re an adult, child, pregnant, or disabled, you’ll see exactly how much you can earn and still qualify for free or low-cost California health coverage.
Page Contents
- 1 California Medi-Cal Income Limits 2025
- 2 What Is Medi-Cal?
- 3 Aged, Blind, and Disabled Medi-Cal (ABD) 2025
- 4 How to Apply for Medi-Cal in California
- 5 FAQs
- 5.1 1. What are the 2025 Medi-Cal income limits in California?
- 5.2 2. What income limits apply to children under Medi-Cal?
- 5.3 3. How much can pregnant individuals earn and still get Medi-Cal?
- 5.4 4. What are the Medi-Cal income limits for aged or disabled individuals?
- 5.5 5. Are asset limits being applied for Medi-Cal in 2025?
- 5.6 6. Who qualifies for Medi-Cal beyond income-based rules?
- 5.7 7. How does spousal impoverishment (MMMNA) affect Medi-Cal?
- 5.8 8. Will asset testing return for Medi-Cal eligibility?
- 6 Final Thoughts
California Medi-Cal Income Limits 2025
The 2025 Federal Poverty Level (FPL) guidelines determine who qualifies for Medi-Cal. These limits were updated in August 2025.
Medi-Cal Income Limits 2025 (All Programs)
| Household Size | Adults (138% FPL) | Children (266% FPL) | Pregnant (213% FPL) | MCAP Pregnant (322% FPL) | Aged/Disabled (Monthly) |
|---|---|---|---|---|---|
| 1 | $21,597 | $41,629 | $33,335 | $50,393 | $1,801 |
| 2 | $29,187 | $56,259 | $45,050 | $68,103 | $2,433 (couple) |
| 3 | $36,777 | $70,889 | $56,765 | $85,813 | — |
| 4 | $44,367 | $85,519 | $68,480 | $103,523 | — |
| 5 | $51,957 | $100,149 | $80,195 | $121,233 | — |
| 6 | $59,547 | $114,779 | $91,910 | $138,943 | — |
| 7 | $67,137 | $129,409 | $103,625 | $156,653 | — |
| 8 | $74,727 | $144,039 | $115,340 | $174,363 | — |
| Each Add’l | +$7,590 | +$14,630 | +$11,715 | +$17,710 | — |
Notes for Users:
- Adults qualify if income is ≤ 138% FPL.
- Children under 19 qualify if income is ≤ 266% FPL.
- Pregnant individuals qualify at ≤ 213% FPL.
- MCAP covers pregnancies between 213%–322% FPL.
- Aged/Disabled (ABD) limits: $1,801 (individual), $2,433 (couple). Institutional residents may keep $35/month.
Medi-Cal for Adults (up to 138% FPL)
| Household Size | Annual Income Limit (138% FPL) |
|---|---|
| 1 | $21,597 |
| 2 | $29,187 |
| 3 | $36,777 |
| 4 | $44,367 |
| 5 | $51,957 |
| 6 | $59,547 |
| 7 | $67,137 |
| 8 | $74,727 |
| Each Additional Person | +$7,590 |
Medi-Cal for Children (up to 266% FPL)
Children under 19 can qualify for Medi-Cal if family income is below:
| Household Size | Annual Income Limit (266% FPL) |
|---|---|
| 1 | $41,629 |
| 2 | $56,259 |
| 3 | $70,889 |
| 4 | $85,519 |
| 5 | $100,149 |
| 6 | $114,779 |
| 7 | $129,409 |
| 8 | $144,039 |
| Each Additional Person | +$14,630 |
Medi-Cal for Pregnant Individuals (up to 213% FPL)
Pregnant individuals may qualify for full-scope Medi-Cal if household income is below:
| Household Size | Annual Income Limit (213% FPL) |
|---|---|
| 1 | $33,335 |
| 2 | $45,050 |
| 3 | $56,765 |
| 4 | $68,480 |
| 5 | $80,195 |
| 6 | $91,910 |
| 7 | $103,625 |
| 8 | $115,340 |
| Each Additional Person | +$11,715 |
Medi-Cal Access Program (MCAP) for Pregnant Individuals (213%–322% FPL)
Pregnant individuals with slightly higher incomes may qualify through MCAP.
| Household Size | Annual Income Limit (322% FPL) |
|---|---|
| 1 | $50,393 |
| 2 | $68,103 |
| 3 | $85,813 |
| 4 | $103,523 |
| 5 | $121,233 |
| 6 | $138,943 |
| 7 | $156,653 |
| 8 | $174,363 |
| Each Additional Person | +$17,710 |
What Is Medi-Cal?
Medi-Cal is California’s Medicaid program that provides free or low-cost health coverage to millions of residents. It is run by the California Department of Health Care Services (DHCS) and covers services such as doctor visits, hospital care, mental health, vision, dental, and long-term care.
Eligibility depends on:
- Household size
- Annual or monthly income compared to Federal Poverty Level (FPL)
- Special categories such as children, pregnant individuals, aged, or disabled
- Allowable deductions
Aged, Blind, and Disabled Medi-Cal (ABD) 2025
- Individual monthly income limit: $1,801
- Couple monthly income limit: $2,433
- Institutional / Nursing Home Care: No set limit, but the resident may keep only $35 per month for personal use.
How to Apply for Medi-Cal in California
You can apply in several ways:
- Online: Covered California Website or MyBenefits CalWIN
- Phone: Call your county social services office
- In Person: Visit your local county social services office
Required documents:
- Proof of identity
- Proof of income (pay stubs, tax returns)
- Proof of residency (rent, utility bills)
- Proof of pregnancy or disability (if applicable)
FAQs
1. What are the 2025 Medi-Cal income limits in California?
For adults, the Medi-Cal income limit in 2025 is 138% of the federal poverty level (FPL) — e.g., a household of 4 can earn up to $44,367/year.
2. What income limits apply to children under Medi-Cal?
Children (0–18 years) can qualify for full-scope Medi-Cal at income levels up to 266% FPL — approximately $85,519/year for a family of four.
3. How much can pregnant individuals earn and still get Medi-Cal?
Pregnant individuals qualify up to 213% FPL ($68,480/year for a family of four), and may qualify under MCAP up to 322% FPL ($103,523/year for a family of four).
4. What are the Medi-Cal income limits for aged or disabled individuals?
Countable income must be below $1,800/month for individuals and $2,433/month for couples. No asset test applies.
5. Are asset limits being applied for Medi-Cal in 2025?
No. Asset limits are waived through December 31, 2025, meaning eligibility is based solely on income.
6. Who qualifies for Medi-Cal beyond income-based rules?
Eligibility also applies to those who are 65+, disabled, under 21, pregnant, in care facilities, on refugee status, caretaker relatives, or enrolled in programs like CalWORKs, SSI/SSP, or Foster Care.
7. How does spousal impoverishment (MMMNA) affect Medi-Cal?
The Minimum Monthly Maintenance Needs Allowance (MMMNA) is $3,948/month in 2025. It protects a non-applicant spouse by allowing income transfers to meet this threshold.
8. Will asset testing return for Medi-Cal eligibility?
Yes, asset limits will return in 2026. For now (2025), income is the sole qualification factor.
Final Thoughts
The California Medi-Cal Income Limits 2025 give you a clear picture of whether your household qualifies for health coverage. Adults, children, seniors, disabled individuals, and pregnant individuals all have different thresholds. If your income falls below these limits, you should apply immediately through Covered California or your county office. Medi-Cal can help you get the medical care you need without the high costs.
