The Covered California income table lists the maximum annual household income amounts for specific programs offered by Covered California and Medi-Cal. The 2024 Open Enrollment Period Covered California income table will be in effect from the renewal period beginning in October until the federal poverty levels change in 2024.
2024 Program Eligibility Income Table Covered California
The income table displays incomes up to 400 percent of the federal poverty level for the household size. Individuals and families can still be eligible for the Advance Premium Tax Credit subsidy even if their income exceeds 400 percent. This is because the subsidies are based on making the second lowest cost Silver plan no more than 8.5 percent of the household income. Many consumers with incomes of 500 and 600 percent of the federal poverty level receive subsidies.
The orange percent column titles represent dollar amounts pertaining to the eligibility for Medi-Cal programs. For example, adults with incomes under 138 percent of the federal poverty level are eligible for Medi-Cal. There are specific columns for Medi-Cal for Pregnant Women, Medi-Cal for children under 19 years of age (266%), and Medi-Cal Access Program that corresponds with expanded children’s Medi-Cal in certain Bay Area counties (322%.)
To read the table, determine your household size that corresponds to your tax household. Then estimate your annual household income for 2024. Find where that income estimate falls between the percent columns to determine if you are or other family members are eligible for any programs including a subsidy.
In this example, we have a household of four, 2 adults and 2 children. If the household income is under $41,400, everyone in the household will be Medi-Cal. If the estimated household income is greater than 138%, but less than 266% or $79,800, the adults will be offered a subsidy for a private health plan and the children will be Medi-Cal eligible. If the family lives in the counties of San Francisco, San Mateo, or Santa Clara, the children will be eligible for Medi-Cal with a household income under $96,600.
Medi-Cal screens for eligibility based on monthly income, not annual income. Covered California calculates the subsidies based on the annual income. The 2024 income table will be revised in March 2024 to reflect the higher federal poverty level income amounts. The dollar amounts in the orange colored column titles will increase. The other columns will remain the same.
For instance, a household of two to qualify for a Silver 87 plan, the annual income must be between $29,581 and $39,440. These amounts will not change even after the federal poverty levels increase. Covered California must adjust those dollar amounts on the income table that pertain to Medi-Cal eligibility. If your income for a single adult is $20,125, and the federal poverty level for 2024 increases 138 percent to $20,200, you might be tripped into Medi-Cal. This would occur if you made a change to your application after the higher federal poverty levels are implemented in the Covered California system.