To estimate how much Advance Premium Tax Credit subsidy you may have to repay, start with the Covered California Shop and Compare tool.
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Don’t Call Covered California if Your Health Plan is Cancelled
Regardless of the reason for the cancellation, you need to work with the health plan to bring your account current. Covered California can still be of assistance if your health plan was terminated because of an error in processing or request for documentation.
Covered California 2-Step Process with Mysterious Middle
I have seen where the information all looks correct, but Medi-Cal never resubmitted the application. Medi-Cal changes their database and that of Covered California. However, if those changes are not properly processed through CalHEERS, your results may not be correct.
Medicare Eligibility Means No Covered California Subsidy
Covered California must perform periodic data matching between their enrolled members and federal databases. If they determine that a consumer is eligible for Medicare, and the individual is receiving subsidies for health insurance, they will be automatically discontinued.
Covered California Subsidy Error for 2026
It appears the health plan invoiced for the higher premium plus the excess subsidies paid in January and February. Consequently, the March invoice was $314.00 the combination of $275.58 + $19.21 + $19.21.
Revised Covered California Income Table, March 2026
Covered California has revised their income table to reflect the higher federal poverty levels. The higher dollar amount numbers are effective March 2026. The revision only applies to Medi-Cal programs. When reviewing any income table update, make sure the date in the lower right-hand corner is 3/2026. That is the revised table from the 10/2025 […]
Online Income Verification for Covered California
Submitting the online attestation for all of the household members, should clear the verification request. Confirm that all household members are no longer under the proof of income verification request. Once complete, you will be in good standing with Covered California for proof and verification of income. If you change your income during the year, a new income verification request may be generated.
Review of Health Plan Options through Covered California, 2026
The Bronze 60 plan may be a good option for people who are looking to save money and do not use health care services on a regular basis. The Bronze 60 has unlimited office and urgent care visits at $60. You get three specialist visits at $95. Lab tests are unlimited at $50. All other health care services are subject to the medical deductible of $5,800. The Bronze 60 has a maximum out-of-pocket amount of $9,800.
Deconstructing Covered California 2026 Income Table
New for 2026 is an orange band on top of the table. This is the income range that California will provide additional subsidy to help lower health insurance premiums for low income families and individuals. The extra subsidy will be provided to incomes up to 165 percent of the federal poverty level. There is a new 165% column indicating the maximum annual income that the subsidy is eligible for.
Covered California Monthly Premiums May Not Increase for 2026
If the enhanced subsidy lapses, and Covered California must return to the pre-2021 subsidy curve, the consumer responsibility for health insurance increases. For the individual estimating $50,000, based on 2025 federal poverty level, they are still 343 percent FPL, but the consumer responsibility percentage increases from 7.08 percent to 9.78 percent*. (*Consumer Responsibility from IRS 2020 form 8962 instructions.)
