10 California Low‑Income Health Programs

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DHCS • Medi-Cal • Covered CA • Medicare.gov — Verified March 2026

A plain-language guide to every major state and federal health coverage program available to low-income Californians right now — with verified income limits, what changed in 2026, how to apply, and honest answers about the programs that can cost you nothing out of pocket. Free to use. Always in your corner.

💡 10 Key Things Every Low-Income Californian Should Know About Health Coverage

California has more low-income health programs than nearly any other state in the country — but 2026 brought the most significant policy changes in years, and many residents do not know how they are affected. Medi-Cal reinstated its asset test for seniors and people with disabilities as of January 1, 2026. Federal enhanced Covered California subsidies expired December 31, 2025, raising premiums for hundreds of thousands. California responded by allocating $190 million in state subsidies to protect the lowest-income enrollees. Meanwhile, Medi-Cal enrollment for standard adults remains free at up to 138% of the Federal Poverty Level with no asset test — and Medicare Savings Programs that can eliminate virtually all Medicare out-of-pocket costs remain as powerful as ever. Here is what you need to know right now.

1
What is Medi-Cal and who qualifies for it in California? Medi-Cal is California’s Medicaid program. Adults ages 19–64 earning up to 138% of the Federal Poverty Level ($1,836/month, $22,025/year for one person) qualify for free, comprehensive coverage with no asset test.
Administered by the California Department of Health Care Services (DHCS), Medi-Cal covers over 14 million Californians. For working-age adults, eligibility is based on income alone — no asset or savings test applies. Benefits include doctor visits, hospitalization, prescription drugs, dental, mental health, and vision. Seniors 65+ and people with disabilities fall under different Medi-Cal rules with an asset limit reinstated as of January 1, 2026 (see Takeaway 5). Apply any time at BenefitsCal.com or at your county social services office. Decisions on MAGI Medi-Cal take up to 45 days; non-MAGI (aged, blind, disabled) up to 90 days.
2
What happened to Covered California health insurance in 2026 — and is it still affordable for low-income people? Federal enhanced subsidies expired December 31, 2025. Premiums jumped 97% on average for many enrollees. However, California allocated $190 million in state subsidies to protect those earning up to 165% FPL ($23,475/year), keeping their costs near 2025 levels.
Covered California’s enrollment fell 32% among new applicants and terminations ran 32% higher than last year after the loss of federal enhanced Premium Tax Credits (ePTCs). For people earning above 138% FPL who don’t qualify for Medi-Cal, Covered California remains the primary marketplace. California’s state subsidy fund covers individuals earning up to $23,475/year (165% FPL), with average state assistance of $45/month in 2026. Nearly 17% of current enrollees still pay $0/month in premiums. The subsidy cliff is restored at 400% FPL for federal credits. If your income is between 138% and 400% FPL, use the Covered California calculator at CoveredCA.com to see your actual cost before assuming you cannot afford coverage.
3
What is the Medicare Savings Program and how much can it save a California senior each year? Medicare Savings Programs (MSPs) pay some or all Medicare out-of-pocket costs for low-income beneficiaries. The QMB program, available to those earning below ~$1,350/month, eliminates all Medicare premiums, deductibles, and copays — an annual savings exceeding $7,000.
California runs four MSPs — QMB, SLMB, QI, and QDWI — administered through Medi-Cal county offices. California’s MSP asset limits are among the most generous in the nation: $130,000 for individuals and $195,000 for couples. Every MSP enrollee automatically qualifies for Medicare Part D Extra Help (Low-Income Subsidy), which caps drug copays at $5.10 for generics and $12.65 for brand-name prescriptions in 2026 — a benefit SSA values at $5,700/year. Free, unbiased guidance is available through HICAP (Health Insurance Counseling & Advocacy Program) at 1-800-434-0222 — California’s version of the federal SHIP program.
4
What is Extra Help and how do I get it to lower my prescription drug costs on Medicare? Extra Help (Low-Income Subsidy or LIS) is a federal program that cuts Medicare Part D prescription copays to $5.10 for generics and $12.65 for brand-name drugs in 2026. Income limit: $23,940/year ($2,015/month) for one person.
The Inflation Reduction Act expanded full Extra Help eligibility to incomes up to 150% FPL ($23,940/year for a single person) in 2024 and beyond. California Medi-Cal enrollees with full Medi-Cal (no Share of Cost) are automatically enrolled at the highest level — paying only $1.60 for generics and $4.90 for brand-name drugs in 2026. Enrollees in any Medicare Savings Program (QMB, SLMB, QI) are also automatically enrolled in Extra Help. If you are not automatically enrolled, apply at ssa.gov/extrahelp, call (800) 772-1213, or call HICAP at 1-800-434-0222. There is no deadline — you can apply any day of the year.
5
Does Medi-Cal now have an asset test for seniors in California? Yes — as of January 1, 2026, California reinstated an asset test for seniors 65+, people with disabilities, and long-term care applicants. The limit is $130,000 per individual and $195,000 per couple. Your primary home and one car are EXEMPT.
This reverses the asset-elimination policy in place since July 2022. The asset limit applies only to non-MAGI Medi-Cal programs: the Aged, Blind, and Disabled program; Medi-Cal with a Share of Cost; the 250% Working Disabled Program; Long-Term Care Medi-Cal; and Medicare Savings Programs. It does NOT apply to standard MAGI Medi-Cal for adults 19–64 or children. Exempt assets include your primary home (regardless of value), one vehicle, personal property, and household goods. If you are currently enrolled, you do not need to report assets until your next annual Medi-Cal renewal in 2026. Newly applying seniors must meet the limit immediately. Per Justice in Aging, assets transferred between January 1, 2024 and December 31, 2025 will not be counted against you during renewals.
6
What does Medi-Cal cover for long-term care — nursing homes, home care, and assisted living? Medi-Cal covers nursing home care, In-Home Supportive Services (IHSS), and Home and Community-Based Services (HCBS) Waiver programs for qualifying Californians. The income limit for nursing home Medi-Cal for a single person is roughly $2,901/month, with assets below $130,000.
In-Home Supportive Services (IHSS) is California’s largest publicly funded home care program, serving over 700,000 recipients with personal care, domestic services, and paramedical services at home. IHSS is free to Medi-Cal recipients and is designed to help seniors and people with disabilities remain at home safely rather than move to institutional care. Nursing home Medi-Cal covers the full cost of skilled nursing care once a Californian meets income and asset criteria. Medi-Cal has a 30-month look-back period for long-term care; transfers of assets for less than fair market value before entering a nursing facility may trigger a period of ineligibility. Consult a Certified Medicaid Planner at medicaidplanningassistance.org for California-specific estate planning guidance.
7
Can I get free or low-cost care if I have no health insurance at all in California? Yes — over 1,300 HRSA-funded Federally Qualified Health Centers (FQHCs) and look-alikes across California offer sliding-fee scale care regardless of insurance status. At 100% FPL or below, care is often free.
FQHCs are required by federal law under Section 330 of the Public Health Service Act to serve all patients regardless of ability to pay and to offer income-based sliding-fee discounts. Services include primary care, dental, behavioral health, women’s health, and pharmacy assistance. California also has one of the country’s largest community health center networks. Find your nearest center in seconds at FindAHealthCenter.hrsa.gov or by calling 1-800-221-2393. California’s 340B Drug Pricing Program additionally allows FQHCs to provide medications at significantly reduced costs. If you are uninsured and think you may qualify for Medi-Cal, many FQHCs have certified enrollment assisters on site who can apply on your behalf for free.
8
What is Medi-Cal Share of Cost and how does it work for people whose income exceeds the regular limit? Medi-Cal Share of Cost (SOC) is a spend-down program for people whose income exceeds the standard limit. A Maintenance Need Amount (MNA) of $600/month (individual) is subtracted from income; the remaining “excess” must be applied to medical bills each month before Medi-Cal activates.
Share of Cost works like a monthly deductible. If your income is $1,200/month and the MNA is $600, your SOC is $600 — you pay that amount in qualifying medical bills each month before Medi-Cal covers the rest. Once you meet your SOC in a given month (for example, by presenting a large pharmacy receipt), full Medi-Cal coverage activates for that month. For seniors with high prescription costs, medical equipment costs, or frequent appointments, the SOC can often be met quickly. Dedicated Medi-Cal caseworkers can explain how to document medical expenses to meet your SOC most efficiently. Apply through BenefitsCal.com or your county social services office.
9
What are Covered California’s open enrollment dates, and when can I apply for Medi-Cal? Covered California’s Open Enrollment runs November 1 through January 31 each year. Medi-Cal has no open enrollment period — you can apply on any day of the year, and coverage can be retroactive up to three months.
Medi-Cal’s year-round enrollment is one of its most important features. If you are hospitalized or need emergency care while waiting for your application to be processed, Medi-Cal may cover those bills retroactively for up to three months before your application date, provided you were eligible during that period. Covered California applications outside the November 1–January 31 window require a qualifying Special Enrollment Period (SEP) event: losing job-based coverage, having a baby, getting married, or moving. Call (800) 300-1506 or visit CoveredCA.com to check for SEP eligibility. HICAP counselors (1-800-434-0222) offer free, unbiased guidance on choosing between Medi-Cal, Medicare, and Covered California options.
10
Where is the single best starting point to find all California health coverage options available to me right now? BenefitsCal.com is California’s official portal for Medi-Cal, CalFresh, and other benefits. HICAP (1-800-434-0222) provides free Medicare counseling. For a broader benefits screen across 2,000+ programs, use BenefitsCheckUp.org (NCOA). All are free.
BenefitsCal.com accepts Medi-Cal, CalFresh, and CalWORKs applications year-round and is available in multiple languages. For Medicare-specific help including Medicare Savings Programs, Extra Help, and plan comparisons, HICAP at 1-800-434-0222 provides free, unbiased counseling from trained volunteers across all 58 California counties. HICAP has no financial relationship with any insurance company. For a comprehensive look at all state, federal, and local programs you might qualify for — including utility assistance, food programs, and prescription help — BenefitsCheckUp.org (operated by NCOA) screens for more than 2,000 programs based on your zip code, age, and income at no cost and with no account required.

Sources: DHCS.ca.gov / dhcs.ca.gov/Medi-Cal (138% FPL; MAGI no asset test; 45-day MAGI / 90-day non-MAGI decisions); CheckMedicaid.com Feb 2026 ($22,025/yr single; $1,836/mo); Justice in Aging justiceinaging.org (asset limit $130,000 individual / $195,000 couple Jan 1 2026; exempt assets: home, one car; Jan 2024–Dec 2025 transfers not counted; annual renewal verification); Disability Rights California disabilityrightsca.org (non-MAGI programs asset test; MAGI adults no asset test); Covered California coveredca.com Feb 26 2026 OE press release (97% avg premium increase; $190M state subsidy; 165% FPL = $23,475; $45/mo avg state subsidy; 17% pay $0; 32% fewer new enrollees; 32% higher terminations); CHCF chcf.org Jan 5 2026 (EPTC expired Dec 31 2025; premium analysis); California Health Advocates cahealthadvocates.org (MSP asset limits $130,000/$195,000 CA; HICAP 1-800-434-0222); NCOA ncoa.org Extra Help (150% FPL expanded IRA; $5,700 annual value; $5.10/$12.65 drug copays 2026); SSA CY2026 LIS resource limits memo (resource limits $16,590/$33,100; income $2,015/mo single); HHS ASPE 2026 FPL Jan 15 2026 ($15,960 single; $21,640 couple); Medicare.gov ($202.90 Part B premium 2026); BenefitsCal.com; HRSA FindAHealthCenter.hrsa.gov (1-800-221-2393)

🏆 10 California Low-Income Health Programs — Verified March 2026

⚠️ Major 2026 Changes Affect Several Programs — Verify Before You Apply

Multiple significant policy changes took effect January 1, 2026. Medi-Cal reinstated its asset test for seniors and disabled Californians. Federal Covered California enhanced subsidies expired. New Medi-Cal enrollment restrictions began for certain undocumented adults. Income limits and program details change each year. Always verify current requirements at BenefitsCal.com, your county social services office, or by calling (800) 300-1506 before applying or making coverage decisions.

Best for Low-Income Adults & Families

Medi-Cal (MAGI) — Free Comprehensive Health Coverage

🏛️ California DHCS • State & Federal Program • All 58 Counties

💰 Income: Up to 138% FPL • $1,836/mo ($22,025/yr) for 1 person • No asset test for adults 19–64

✅ Monthly premium: $0

✅ Copays: $0–$4 (very low)

✅ Coverage: Doctor, hospital, Rx, dental

✅ Mental health & substance use covered

✅ Vision and hearing services

✅ No open enrollment — apply any time

✅ No asset test for MAGI adults 19–64

⚠️ Asset test reinstated for 65+ & disabled

Medi-Cal MAGI (Modified Adjusted Gross Income) is the backbone of California’s low-income health system. For adults ages 19–64, the only financial criterion is income: if you earn at or below 138% of the Federal Poverty Level, you qualify for free, comprehensive coverage with no savings, asset, or bank account test. Coverage includes the full spectrum of Medi-Cal essential benefits: preventive and primary care, inpatient and outpatient hospital care, emergency services, prescription drugs, dental (including orthodontics for eligible minors), vision, mental health, and substance use disorder treatment. California was among the first states to expand Medi-Cal to undocumented adults of all ages, but beginning January 1, 2026, new applications from adults 19+ with unsatisfactory immigration status are restricted to emergency, pregnancy-related, and nursing home care only; those enrolled before that date keep full coverage through June 30, 2026, then transition to full scope without dental. Apply at BenefitsCal.com, call (800) 300-1506, or visit your county social services office. Eligibility decisions on MAGI applications take up to 45 days, though many are determined faster.

📞 Medi-Cal / Covered CA Helpline: (800) 300-1506 • TTY: (888) 889-4500
🌐 Apply Online: BenefitsCal.com
🌐 County offices: dhcs.ca.gov/services/medi-cal/Pages/CountyOffices.aspx

138% FPL Income Limit No Asset Test (MAGI) $0 Premium Apply Any Time Dental + Mental Health Retroactive Coverage Available

Best for Seniors 65+ and People with Disabilities

Medi-Cal ABD — Aged, Blind & Disabled Program

🏛️ California DHCS • For Adults 65+, Blind, or Disabled

💰 Income: Up to 138% FPL • Asset limit: $130,000 individual / $195,000 couple (Jan 1, 2026)

✅ Covers dual Medicare + Medi-Cal recipients

✅ Fills gaps Medicare does NOT cover

✅ Dental: Up to $1,800/year for seniors

✅ Long-term care and nursing home coverage

✅ IHSS in-home supportive services

✅ Vision, hearing aids partially covered

✅ Asset limit: Home + 1 car are EXEMPT

⚠️ Asset test reinstated Jan 1, 2026

Medi-Cal ABD (Aged, Blind, and Disabled) is the program for California residents who are 65 or older, certified blind, or have a qualifying disability. Unlike standard MAGI Medi-Cal, ABD has both an income test and — effective January 1, 2026 — a reinstated asset test of $130,000 for an individual and $195,000 for a couple. Key exempt assets: your primary home (regardless of value), one vehicle, personal items, and household goods. Being enrolled in both Medi-Cal and Medicare simultaneously — called “dual eligibility” — is among the most comprehensive coverage situations available. Medi-Cal covers the costs Medicare leaves behind: dental care (up to $1,800/year per Medicaid ABD), vision, hearing, and nursing home costs. Dual-eligible seniors often pay close to nothing out of pocket for healthcare. If you are on Medicare and think you may qualify for Medi-Cal ABD, apply immediately — the combined annual value can exceed $12,000 in savings. Per California Health Advocates, Medi-Cal also covers dental for seniors enrolled in ABD at up to $1,800 per year for exams, X-rays, cleanings, fillings, root canals, and related services.

📞 DHCS Helpline: (800) 300-1506
🌐 Apply: BenefitsCal.com
📞 HICAP (free Medicare + Medi-Cal guidance): 1-800-434-0222

Asset Test $130K/$195K Dual Medicare + Medi-Cal Home + Car Exempt Dental $1,800/yr IHSS Home Care LTC + Nursing Home

Best for Low-Income Medicare Enrollees

Medicare Savings Programs — QMB, SLMB, QI & QDWI

🏛️ Administered by California Medi-Cal County Offices • Pays Medicare Costs

💰 QMB: ~$1,350/mo • SLMB: ~$1,566/mo • QI: ~$1,816/mo • Asset limit: $130,000 individual

✅ QMB: Pays ALL premiums, deductibles, copays

✅ SLMB: Pays $202.90 Part B premium

✅ QI: Pays $202.90 Part B premium

✅ All three: Automatic Extra Help for Part D

✅ CA asset limit $130,000 (vs $9,950 federal)

✅ Combined value exceeds $7,000/year

✅ Providers cannot bill QMB enrollees extra

⚠️ Fewer than half of eligible seniors enrolled

California’s Medicare Savings Programs are administered through the same county Medi-Cal offices that handle regular Medi-Cal applications. California is exceptional because its MSP asset limit of $130,000 (individual) is vastly more generous than the federal default of roughly $9,950, making far more California seniors eligible than they might expect. The Qualified Medicare Beneficiary (QMB) program for those earning up to ~$1,350/month is the most comprehensive: it eliminates every Medicare cost — Part A and B premiums, all deductibles, and all copays. Providers are prohibited by federal law from billing QMB enrollees above the Medicare rate. The Specified Low-Income Medicare Beneficiary (SLMB) and Qualifying Individual (QI) programs each pay the $202.90/month Part B premium for those with slightly higher incomes. Every MSP automatically qualifies you for Part D Extra Help, cutting drug copays to $5.10 for generics and $12.65 for brand-names — a combined benefit the NCOA values at over $7,000/year. Apply at your county Medi-Cal office or call HICAP at 1-800-434-0222 for free, expert guidance on which program you qualify for.

📞 HICAP (free, unbiased): 1-800-434-0222 • cahealthadvocates.org
📞 Medicare Helpline: 1-800-MEDICARE (1-800-633-4227)
🌐 Apply: Your county Medi-Cal office • BenefitsCal.com

Eliminates All Medicare Costs (QMB) $202.90 Part B Paid (SLMB/QI) $7,000+ Annual Value CA Asset Limit $130K Auto Extra Help Drugs

Best for Lowering Medicare Prescription Drug Costs

Extra Help — Medicare Part D Low-Income Subsidy (LIS)

🏛️ Social Security Administration • Federal Program • All States

💰 Income: Up to 150% FPL ($23,940/yr, $2,015/mo) • Resources: Up to $16,590 individual

✅ Generic drug copays: $5.10 (2026)

✅ Brand-name copays: $12.65 (2026)

✅ Full Medi-Cal: $1.60 generic / $4.90 brand

✅ No Part D deductible on benchmark plans

✅ No Part D premium on benchmark plans

✅ Annual value: ~$5,700 (SSA estimate)

✅ Apply 365 days a year — no deadline

✅ Auto-enrolled if on Medi-Cal, SSI, or MSP

Extra Help is the most direct path to drastically reducing prescription drug costs for any California Medicare beneficiary with limited income. The Inflation Reduction Act permanently expanded full Extra Help eligibility to individuals with incomes up to 150% FPL (approximately $23,940/year). For Californians on full Medi-Cal (no Share of Cost), the benefit is even richer — just $1.60 per generic and $4.90 per brand-name prescription in 2026. If you have Medi-Cal, you do not need to apply for Extra Help separately: you are automatically enrolled at the highest level and assigned to a benchmark Part D plan with no premium. If you do not have Medi-Cal but meet the income and asset criteria, apply at ssa.gov/extrahelp or call (800) 772-1213. Applications are free, accepted year-round, and can be completed by phone. HICAP counselors (1-800-434-0222) can help you verify your current Extra Help status and change Part D plans if you are paying unnecessary premiums.

📞 SSA Extra Help Application: (800) 772-1213 • Mon–Fri 8 AM–7 PM
🌐 Apply online: ssa.gov/extrahelp
📞 HICAP (help checking/changing plans): 1-800-434-0222

$5.10 Generic Drugs $12.65 Brand Drugs $5,700 Annual Value Auto-Enrolled w/ Medi-Cal 150% FPL Expanded

Best for Pre-Medicare Adults Above Medi-Cal Income Limit

Covered California — Health Insurance Marketplace

📋 State Health Exchange • CoveredCA.com • (800) 300-1506

💰 Income: 138%–400% FPL for federal subsidies • State subsidy up to 165% FPL ($23,475/yr) in 2026

✅ State subsidy: ~$45/mo for ≤165% FPL

✅ ~17% of enrollees pay $0/month premium

✅ Cost-sharing reductions on Silver plans

✅ No denial for pre-existing conditions

⚠️ Federal enhanced subsidies expired Jan 1, 2026

⚠️ Premiums rose ~97% avg without state help

✅ Open Enrollment: Nov 1 – Jan 31

✅ Special Enrollment Period available

Covered California is the state’s health insurance marketplace, the primary option for Californians who earn above Medi-Cal limits but do not yet have Medicare or employer coverage. The 2026 changes are significant: the federal enhanced Premium Tax Credits that capped costs at 8.5% of income for all enrollees expired December 31, 2025, causing a 97% average premium increase for those who lost those subsidies. California deployed $190 million from the Health Care Affordability Reserve Fund to partially fill the gap, providing state subsidies for households earning up to 165% of FPL ($23,475/year for one person), with an average benefit of $45/month. For those at the lowest incomes, plans can still cost as little as $10/month. For middle-income Californians between 165% and 400% FPL, costs rose significantly. Open Enrollment runs November 1 through January 31, which is longer than most states. You can still enroll or change plans outside this window if you experience a qualifying life event (SEP). Beware: Starting with tax year 2026, individuals who receive too much in advance subsidies must repay the full excess when filing taxes (no cap).

📞 Covered California: (800) 300-1506 • TTY: (888) 889-4500
🌐 Compare plans & apply: CoveredCA.com
🌐 Find free enrollment help: CoveredCA.com/apply/find-help

OE: Nov 1 – Jan 31 State Subsidy ≤165% FPL $190M CA Fund 2026 No Pre-Condition Denial Federal ePTC Expired 2026

Best for Seniors Needing Home Care to Remain Independent

In-Home Supportive Services (IHSS) — Home Care for Medi-Cal Recipients

🏛️ California DHSS • Medi-Cal Benefit • 700,000+ Recipients Statewide

✅ Must be on Medi-Cal • Must be 65+, blind, or disabled • Need assistance with daily activities

✅ Personal care: bathing, dressing, grooming

✅ Domestic services: cleaning, laundry, meal prep

✅ Paramedical services at home

✅ Accompaniment to medical appointments

✅ Protective supervision for cognitive impairment

✅ You choose your own caregiver

✅ Family members (except spouse) can be paid

✅ Over 700,000 Californians currently served

IHSS is one of the most impactful and most underutilized benefits available to low-income California seniors and people with disabilities. With over 700,000 recipients, it is the largest publicly funded home care program in the country. IHSS is a Medi-Cal benefit — if you have Medi-Cal and are 65 or older, blind, or have a qualifying disability, and you need help with daily activities to live safely at home, you may qualify. A county social worker conducts a home assessment and authorizes a set number of monthly service hours. The crucial advantage: you can choose your own caregiver, and family members (with the exception of a spouse or minor children) can be compensated as your IHSS provider. This allows adult children or other family members to receive California minimum wage (currently $16.50/hour in 2026) to care for qualifying relatives, rather than placing them in a facility. Contact your county IHSS office to request an assessment. Find your county office at cdss.ca.gov/in-home-supportive-services.

📞 IHSS Statewide: (888) 944-4477
🌐 County IHSS offices: cdss.ca.gov/in-home-supportive-services
🌐 Apply for Medi-Cal first: BenefitsCal.com

700,000+ Served Statewide Family Can Be Paid Caregiver You Choose Your Caregiver Medi-Cal Required Alternative to Nursing Home

Best for Seniors Needing Nursing Home or Assisted Living Coverage

Medi-Cal Long-Term Care — Nursing Home & HCBS Waivers

🏛️ California DHCS • For Adults 65+ or with Qualifying Disability

💰 Income: ~$2,901/mo for nursing home Medi-Cal • Assets: $130,000 individual • Home generally EXEMPT

✅ Full nursing home costs covered

✅ IHSS home care (see Program 6)

✅ HCBS Waivers: assisted living services

✅ Home is exempt (applicant residing there)

✅ Community Spouse Resource Allowance

✅ Medi-Cal Share of Cost pathway if over limit

⚠️ 30-month look-back for LTC transfers

⚠️ Estate recovery may apply after death

Medi-Cal Long-Term Care covers the full cost of nursing home stays that routinely exceed $10,000 per month — one of the most significant and least-discussed benefits in the entire California safety net. For a single applicant, income up to approximately $2,901/month and assets below $130,000 (effective January 1, 2026) qualify. The primary home is an exempt asset as long as the applicant or their spouse resides in it; for married applicants, the non-institutionalized spouse retains additional assets under the Community Spouse Resource Allowance. California has a 30-month Medi-Cal look-back period for long-term care, meaning asset transfers made in the 30 months before applying for LTC Medi-Cal may trigger a period of ineligibility. Important: California also operates a Medi-Cal Estate Recovery Program (MERP), which may recover costs from the estate after death — primarily for LTC services received at age 55 or older. HCBS Waivers (Home and Community-Based Services) allow Medi-Cal to pay for care at home or in assisted living instead of a nursing facility. Consulting a California Certified Medicaid Planner at medicaidplanningassistance.org is strongly recommended before making major financial decisions around LTC eligibility.

📞 DHCS Long-Term Care: (800) 300-1506
🌐 Apply: BenefitsCal.com • County DHCS office
🌐 Medicaid Planners: medicaidplanningassistance.org

Full Nursing Home Coverage Home Exempt Asset 30-Mo Look-Back Applies HCBS Home/Assisted Living Spouse Asset Protection

Best If Uninsured or in the Coverage Gap

Federally Qualified Health Centers — Sliding-Fee Care

🏥 HRSA-Funded Community Health Centers • 1,300+ Sites Across California

✅ No insurance required • Sliding fee by income • Zero cost at or below 100% FPL

✅ Primary and preventive care

✅ Dental and oral health services

✅ Behavioral and mental health care

✅ Women’s health and prenatal care

✅ On-site pharmacy at many locations

✅ 340B discounted drug pricing

✅ Certified enrollment assisters on site

✅ Multiple languages available

California has one of the country’s most extensive FQHC networks, with over 1,300 health center sites serving millions of uninsured and underinsured Californians annually. FQHCs are funded by HRSA under Section 330 of the Public Health Service Act and are legally required to charge on a sliding-fee scale based on income and serve all patients regardless of ability to pay. At 100% of the Federal Poverty Level or below, care is often provided at zero cost. Many California FQHCs also participate in the 340B Drug Pricing Program, which allows them to purchase outpatient drugs at significantly reduced prices and pass those savings to patients. The centers are often the first place to go for uninsured Californians seeking care, and most have certified enrollment assisters who can help you apply for Medi-Cal or Covered California on the spot. California’s network includes major community health center organizations like Planned Parenthood, Asian Health Services, and the Central Valley Health Network. Find your nearest FQHC instantly at FindAHealthCenter.hrsa.gov or call 1-800-221-2393.

📞 Find a California FQHC: 1-800-221-2393
🌐 Locator: FindAHealthCenter.hrsa.gov
🌐 California Primary Care Association: cpca.net

No Insurance Needed 1,300+ CA Sites Zero Cost at 100% FPL 340B Drug Discounts On-Site Medi-Cal Enrollment

Best for Pregnant Women, Children & New Mothers

Medi-Cal for Pregnant Women & CHIP (Children)

🏛️ California DHCS • Available Statewide • All Citizenship Statuses (Children)

🤱 Pregnant: Up to 213% FPL • Children (CHIP): Up to 266% FPL • Newborns: Auto-enrolled

✅ All prenatal visits covered

✅ Labor and delivery covered

✅ 12 months postpartum coverage

✅ Newborns automatically enrolled

✅ Children 0–18: dental, vision, Rx, hospital

✅ CHIP covers up to 266% FPL for children

✅ No open enrollment — apply any time

✅ Children covered regardless of immigration status

California’s Medi-Cal pregnancy coverage extends to women earning up to 213% of the Federal Poverty Level, well above the standard adult Medi-Cal limit. Coverage begins immediately upon application for pregnancy-related services with no waiting period, and includes all prenatal visits, ultrasounds, lab work, hospitaldelivery, postpartum mental health care, and a full 12 months of postpartum coverage — a permanent expansion following the American Rescue Plan Act. Newborns are automatically deemed Medi-Cal-eligible from birth if the mother is covered, ensuring no California newborn is ever uninsured from the delivery room. California’s CHIP (Children’s Health Insurance Program), integrated into the Medi-Cal system, covers children from birth through age 18 in families earning up to 266% FPL. CHIP benefits include doctor visits, dental cleanings, eye exams and glasses, prescription drugs, immunizations, and hospitalization, often with zero or minimal copayments. Children maintain Medi-Cal/CHIP coverage regardless of immigration status. Apply at BenefitsCal.com any month of the year.

📞 Medi-Cal Helpline: (800) 300-1506
🌐 Apply: BenefitsCal.com
🌐 Children coverage info: dhcs.ca.gov/services/medi-cal

Pregnant to 213% FPL Children to 266% FPL 12-Mo Postpartum Newborn Auto-Enrolled No Immigration Barrier (Children)

Best Free Expert Help Finding All Your California Benefits

HICAP, BenefitsCheckUp & 211 — Free Enrollment Guidance

☎️ State + Nonprofit • Free, Unbiased, Confidential • All 58 Counties

✅ Free to everyone • No income limit to use • No enrollment obligation

✅ HICAP: Free Medicare counseling statewide

✅ BenefitsCheckUp.org: 2,000+ programs

✅ Dial 2-1-1: Emergency referrals 24/7

✅ Area Agency on Aging: senior-specific help

✅ Covered CA certified enrollment counselors

✅ No sales pitch, no fee, no conflict of interest

✅ All major languages available

✅ Assistance with appeals and denials

California’s HICAP (Health Insurance Counseling & Advocacy Program) is the state version of the federal SHIP program and is one of the most valuable free resources available to any California Medicare beneficiary. HICAP counselors are trained volunteers operating in all 58 California counties with no financial relationship with any insurance company. They help seniors compare Medicare Advantage and Part D plans, apply for Medicare Savings Programs and Extra Help, understand rights under QMB, and file appeals when claims are denied. Call 1-800-434-0222 to reach HICAP statewide or find your local program at cahealthadvocates.org. The NCOA’s BenefitsCheckUp.org screens for more than 2,000 federal, state, and local benefit programs in minutes using only your zip code and basic income information — including Medi-Cal, Medicare Savings Programs, utility assistance, food programs, and transportation. Dialing 2-1-1 connects you to United Way’s 24/7 statewide crisis referral network for emergency health, housing, and food resources. Covered California also offers free Certified Enrollment Counselors at CoveredCA.com/apply/find-help who can apply on your behalf at no cost.

📞 HICAP (Medicare help): 1-800-434-0222 • cahealthadvocates.org
📞 211 (24/7 emergency referrals): Dial 2-1-1 • 211ca.org
🌐 BenefitsCheckUp: BenefitsCheckUp.org • Covered CA Counselors: CoveredCA.com/apply/find-help

HICAP 1-800-434-0222 BenefitsCheckUp 2,000+ Programs Dial 2-1-1 Any Time 100% Free No Sales All 58 CA Counties All Major Languages

Sources: DHCS dhcs.ca.gov (Medi-Cal MAGI 138% FPL; ABD program; IHSS 700,000+ recipients; dental ABD $1,800/yr; pregnancy 213% FPL; CHIP children 266% FPL; postpartum 12 months; newborn auto-enrollment; cdss.ca.gov IHSS 888-944-4477); BenefitsCal.com (MAGI 45 days; non-MAGI 90 days; retroactive 3 months); Justice in Aging (Jan 1 2026 asset limit $130K/$195K; exempt assets; 2024–2025 transfers not counted; 30-month LTC look-back); Disability Rights California (MAGI no asset test; non-MAGI programs asset test); California Health Advocates cahealthadvocates.org (MSP asset limits $130K/$195K; QMB $1,350; SLMB $1,566; QI $1,816; 2026 income limits pending spring update; HICAP 1-800-434-0222); Medicare.gov ($202.90 Part B 2026; $12.65 brand drugs; $5.10 generic; extra help auto-enrollment); SSA CY2026 LIS memo ($16,590 resource limit; 150% FPL $23,940); NCOA ($7,000+ annual MSP+Extra Help value; $5,700 Extra Help; drug copays); Covered California coveredca.com OE press release Feb 26 2026 (97% avg premium increase; $190M state subsidy; 165% FPL $23,475; $45/mo avg state subsidy; 17% $0 premium; 32% fewer new enrollees; 1,927,371 total enrolled); CHCF chcf.org Jan 5 2026 (EPTC expired; state subsidy 150% FPL; $2.1B federal gap); National Health Law Program Mar 2026 (OBBBA changes; 400% FPL subsidy cliff restored; APTC repayment no cap); HRSA FindAHealthCenter.hrsa.gov (1-800-221-2393; California FQHC network); 211ca.org; BenefitsCheckUp.org NCOA; medicaidplanningassistance.org (Medi-Cal planner; LTC look-back; MERP estate recovery)

📊 California Health Coverage — Key Numbers Right Now

🏥 Medi-Cal Enrollees

14M+

Over 14 million Californians are currently enrolled in Medi-Cal, making it the largest Medicaid program in the United States by enrollment. Standard MAGI Medi-Cal for adults 19–64 has no asset test, only an income test at 138% FPL ($1,836/month for one person).

📉 Covered CA Premium Increase

+97%

Average premium increase for Covered California enrollees who lost federal enhanced Premium Tax Credits after December 31, 2025. California’s $190 million state subsidy fund protected those at or below 165% FPL ($23,475/year), but middle-income Californians faced the full increase.

💊 Extra Help Annual Value

$5,700

SSA’s estimated annual value of Medicare Part D Extra Help (Low-Income Subsidy) per qualifying beneficiary. Drug copays are capped at $5.10 (generic) and $12.65 (brand-name) per prescription in 2026. California Medi-Cal enrollees with no Share of Cost pay even less: $1.60/$4.90.

🏠 IHSS Home Care Recipients

700K+

Californians currently receiving In-Home Supportive Services (IHSS), making it the largest publicly funded home care program in the country. IHSS lets eligible Medi-Cal recipients choose their own caregiver — including family members — to stay home safely instead of entering institutional care.

🚨 Critical Alert: Four Situations Where Californians Miss Coverage They Already Qualify For

Thousands of Californians who qualify for free or low-cost coverage every year forgo it because of common misunderstandings. Four situations that repeatedly cause eligible people to go uninsured:

Assuming the new Medi-Cal asset test affects them when it doesn’t. The asset limit reinstated January 1, 2026 affects ONLY seniors 65+, blind individuals, and disabled Californians in non-MAGI Medi-Cal programs. Standard adult Medi-Cal for ages 19–64 still has NO asset test. If you are a working-age adult, your savings and bank balances are completely irrelevant to Medi-Cal eligibility. Apply based on income alone.
Not knowing about Medicare Savings Programs with California’s generous asset limits. Nationally, MSP asset limits are only ~$9,950. California’s limit is $130,000 for individuals. Many California seniors who think they have too many assets for MSPs are actually well within California’s higher thresholds. Call HICAP at 1-800-434-0222 for a free eligibility check.
Assuming Covered California is unaffordable in 2026 without checking. California’s $190 million state subsidy fund means that some plans still cost $10 or less per month for those earning up to 165% FPL. Nearly 17% of current Covered California enrollees pay $0/month. Use the calculator at CoveredCA.com before deciding you cannot afford marketplace coverage.
Not applying for Extra Help / LIS on Part D prescriptions. Fewer than half of eligible California seniors are enrolled in Extra Help, per NCOA data. If you are on Medicare and earn less than $2,015/month, apply at ssa.gov/extrahelp or call (800) 772-1213. The annual savings can exceed $5,700.

Sources: DHCS dhcs.ca.gov (14M+ Medi-Cal enrollees; MAGI no asset test); Covered California Feb 26 2026 press release (97% premium increase; $190M state subsidy; 165% FPL; 17% pay $0); SSA CY2026 Extra Help ($5,700 annual value; $2,015/mo income limit); cdss.ca.gov IHSS (700,000+ recipients); NCOA (fewer than half of eligible seniors enrolled in Extra Help); California Health Advocates (CA MSP asset limits $130,000 vs federal $9,950)

📋 California Low-Income Health Programs — Income Limits at a Glance

Income limits for a single-person household in the contiguous 48 states, based on the 2026 Federal Poverty Level of $15,960/year ($1,330/month) published by HHS on January 15, 2026. Limits for larger households are higher. California FPL limits are updated annually. Always verify current limits at BenefitsCal.com or with HICAP before applying.

Program	Monthly Limit	Annual Limit	% FPL	Asset Test?	Key Benefit
Medi-Cal (MAGI Adults 19–64)	$1,836/mo	$22,025/yr	138%	None	Free comprehensive coverage
Medi-Cal ABD (65+ / Disabled)	$1,836/mo	$22,025/yr	138%	$130K/$195K	Dual Medicare + Medi-Cal
QMB (Medicare Savings)	~$1,350/mo	~$16,200/yr	~100%	$130K (CA)	All Medicare costs paid
SLMB (Medicare Savings)	~$1,566/mo	~$18,780/yr	~120%	$130K (CA)	Part B $202.90/mo paid
QI (Medicare Savings)	~$1,816/mo	~$21,792/yr	~135%	$130K (CA)	Part B $202.90/mo paid
Extra Help / LIS (Part D)	$2,015/mo	$23,940/yr	150%	$16,590	Drugs $5.10/$12.65 copay
Covered CA + State Subsidy	$1,956/mo+	$23,475/yr+	165%+	None	Reduced Marketplace premium
Medi-Cal (Pregnant Women)	~$2,836/mo	~$34,040/yr	213%	None	Full prenatal + postpartum
CHIP (Children 0–18)	Varies by size	Up to 266% FPL	266%	None	Free/low-cost child coverage
Medi-Cal LTC (Nursing Home)	~$2,901/mo	~$34,812/yr	~218%	$130K	Full nursing home costs
FQHC Sliding Scale	Any income	Any income	Any	None	$0 at 100% FPL

Sources: HHS ASPE 2026 FPL $15,960 single ($1,330/mo) Jan 15 2026; DHCS dhcs.ca.gov (MAGI 138% = $22,025; pregnancy 213%; CHIP 266%); California Health Advocates (QMB ~$1,350; SLMB ~$1,566; QI ~$1,816; 2025 limits — 2026 spring update pending); SSA Extra Help 150% FPL $23,940/$2,015 per month; Justice in Aging ($130,000 CA asset limit; $195,000 couple); Covered CA state subsidy 165% FPL = $23,475; Medicaid planning $2,901 LTC income limit. Note: MSP income limits above include a standard $20 income disregard. CA MSP 2026 limits pending official spring publication — verify with HICAP 1-800-434-0222.

❓ California Health Coverage Questions Answered Plainly

💡 I Am a California Senior on Medicare. Why Would I Also Need Medi-Cal?

Being enrolled in both Medicare and Medi-Cal simultaneously — called “dual eligibility” — gives you the most comprehensive health coverage available to any Californian. Medicare covers most acute care: hospitalizations, doctor visits, outpatient services, and prescription drugs through Part D. Medi-Cal fills the gaps Medicare leaves behind. A dual-eligible California senior pays almost nothing out of pocket: Medi-Cal covers Medicare deductibles, premiums, and copays, and provides additional benefits Medicare never covers, including dental care up to $1,800/year, vision, and hearing aids. In-Home Supportive Services (IHSS) for personal and home care are also Medi-Cal benefits that Medicare does not provide. If you are on Medicare and your monthly income is below approximately $1,836/month, contact your county Medi-Cal office immediately or call HICAP at 1-800-434-0222 for a free dual eligibility screening. Many Californians who qualify are not enrolled.

💡 I Have Over $130,000 in Savings. Does That Mean I Can’t Get Medi-Cal in California?

Not necessarily. The $130,000 asset limit applies only to non-MAGI Medi-Cal programs: the Aged, Blind, and Disabled (ABD) program, Medi-Cal with a Share of Cost, Long-Term Care Medi-Cal, and Medicare Savings Programs. Standard MAGI Medi-Cal for adults ages 19–64 has NO asset test at all — your savings are irrelevant. For seniors 65+ or disabled individuals subject to the $130,000 limit, key assets are excluded: your primary home (regardless of value), one car, personal belongings, and household goods. A home worth $1.2 million still does not count against you. Additionally, assets transferred between January 1, 2024 and December 31, 2025 will not be counted against you during 2026 renewals. If you are just over $130,000 in countable assets and need Medi-Cal, a spend-down on permitted medical expenses, prepaid funeral plans, or home modifications may bring your countable assets below the limit. A Certified Medicaid Planner at medicaidplanningassistance.org can advise on legal options specific to California.

💡 My Medi-Cal Renewal Is Coming Up in 2026. What Do I Need to Do to Keep My Coverage?

It depends on your Medi-Cal program type. For MAGI Medi-Cal (adults 19–64): your renewal is primarily an income check. Ensure your current mailing address and contact information are up to date in your BenefitsCal.com account. Respond promptly to any renewal notices mailed by your county. For non-MAGI Medi-Cal (ABD, seniors, disabled, MSPs): starting with your first renewal in 2026, you will also need to verify that your countable assets are below $130,000 for an individual (or $195,000 for a couple). This is new as of January 1, 2026. Your county will ask for documentation of bank accounts and other countable assets. You do NOT need to provide this before your renewal date, but you should not ignore the request when it arrives. Keep your home address current — Medi-Cal notices are sent by mail, and failing to respond to a renewal notice is the most common reason Californians incorrectly lose coverage they are still entitled to.

💡 My Income Changed Mid-Year. Do I Need to Wait for Open Enrollment to Update My Health Coverage?

No. Medi-Cal and CHIP: Report income changes immediately at BenefitsCal.com or by calling your county office. There is no open enrollment window. If your income drops, you may become newly eligible for Medi-Cal at any time and can switch off Covered California onto Medi-Cal without penalty. If your income rises above Medi-Cal limits, you will transition to Covered California. Covered California: Income changes are a qualifying Special Enrollment Period (SEP) event. You have 60 days from the date of the change to update your coverage. Report changes immediately at CoveredCA.com to avoid being billed for excess subsidies you did not actually qualify for when you file your taxes. Starting in 2026, the cap on Advanced Premium Tax Credit repayments has been eliminated — if your actual income was higher than reported, you owe back the full difference. Accurate, timely income reporting is now more financially important than ever. Call HICAP at 1-800-434-0222 if you need help navigating coverage transitions.

💡 I Don’t Speak English Well. Can I Still Apply for California Health Programs?

Absolutely. California state law and federal Section 1557 of the ACA require all health coverage programs to provide language access services at no cost. BenefitsCal.com is available in Spanish, Chinese (Simplified and Traditional), Vietnamese, Korean, Tagalog, Armenian, and other languages. Covered California is available at CoveredCA.com in 13 languages, and their phone line at (800) 300-1506 provides interpretation in over 200 languages via in-language staff and translation services. Medi-Cal county offices are required to provide certified interpretation. HICAP counselors (1-800-434-0222) in many counties are available in Spanish, Chinese, Korean, and Vietnamese. FQHCs are required to provide language services as a condition of federal funding and often have multilingual staff who speak the languages of their local communities. Dialing 2-1-1 connects you to United Way’s multilingual network 24/7. Never let a language barrier stop you from applying for programs you have a legal right to access.

💡 I Need to See a Doctor This Week and Have No Insurance. What Are My Immediate Options in California?

Three immediate steps: Step 1 — Go to a Federally Qualified Health Center (FQHC) today. California has over 1,300 FQHC sites. Find the nearest one in seconds at FindAHealthCenter.hrsa.gov or call 1-800-221-2393. FQHCs accept patients on the same week and charge nothing or a nominal fee based on income. Zero-cost care is available at 100% FPL and below. Most have on-site pharmacies with 340B discounted drug pricing. Step 2 — Apply for Medi-Cal immediately at BenefitsCal.com. If you qualify, Medi-Cal can be retroactive for up to three months, potentially covering any medical bills you incur today while your application is being processed. Do not delay applying. Step 3 — For prescriptions needed right now: Visit GoodRx.com or show a GoodRx coupon at any pharmacy counter. GoodRx typically reduces generic drug costs by 80%+ with no membership or income verification. For expensive brand-name drugs, call NeedyMeds at 1-800-503-6897 to be connected to a manufacturer Patient Assistance Program that may supply your medication at zero cost.

Sources: DHCS (dual eligibility; MAGI no asset test confirmed; dental ABD $1,800/yr; IHSS; BenefitsCal.com; 800-300-1506); Justice in Aging justiceinaging.org (asset limit non-MAGI only; MAGI adults no asset test; exempt assets; 2024–2025 transfers not counted; address update requirement; renewal documentation); Disability Rights California (non-MAGI asset test; MAGI unaffected); Covered California coveredca.com (APTC repayment cap eliminated 2026; CoveredCA.com in 13 languages; 800-300-1506 200+ languages; 60-day SEP window); HHS Section 1557 language access requirements; California Health Advocates (HICAP 1-800-434-0222; language availability); HRSA FQHCs (1-800-221-2393; FindAHealthCenter.hrsa.gov; language access federal requirement); GoodRx (no membership; 80%+ generic discounts); NeedyMeds 1-800-503-6897; Medi-Cal 3-month retroactivity (CMS.gov); BenefitsCal.com (13+ languages)

📍 Find California Health Coverage Resources Near You

Allow location access when prompted to find the most relevant resources near your California address. All services below are free or income-based.

Finding health resources near you…

✅ Five Steps to Find the Right California Health Coverage Right Now

Step 1: Screen yourself for every California program at once. Go to BenefitsCheckUp.org (NCOA) and enter your California zip code, age, and approximate income. In under five minutes, you receive a free, personalized list of health coverage, drug assistance, utility, and food programs available in your county. No account required. Screens for more than 2,000 programs including Medi-Cal, MSPs, Extra Help, CalFresh, and local assistance funds.
Step 2: Apply for Medi-Cal first — it is always free and has no open enrollment deadline. Apply at BenefitsCal.com or call (800) 300-1506 any day of the year. Even if you applied and were denied in a prior year, income limits were updated in January 2026. If you are ages 19–64, there is no asset test — only your income matters. Coverage can be retroactive for up to three months, potentially covering bills already incurred.
Step 3: If you are on Medicare, call HICAP at 1-800-434-0222 for a free Medicare Savings Program and Extra Help check. HICAP counselors are trained volunteers with no financial relationship with any insurer. California’s MSP asset limit is $130,000 — far more generous than the federal default. The combined value of QMB and Extra Help can exceed $7,000/year for qualifying seniors, yet fewer than half of those eligible are enrolled.
Step 4: Do not skip Covered California just because of the 2026 premium increases. California’s $190 million state subsidy fund means plans can still cost $10 or less per month for those earning up to $23,475/year. Nearly 17% of Covered California enrollees currently pay $0/month. Use the CoveredCA.com calculator before concluding you cannot afford marketplace coverage. Free enrollment counselors at CoveredCA.com/apply/find-help can apply for you at no cost.
Step 5: If you remain uninsured today, find your nearest FQHC at FindAHealthCenter.hrsa.gov. California community health centers serve millions of uninsured residents annually on a sliding-fee scale. You can be seen this week with no insurance, no documentation barrier, and no cost at 100% FPL. While at the health center, ask a certified enrollment assister to help you apply for Medi-Cal — many FQHCs can submit the application on your behalf in the same visit.

🚨 Three Costly Mistakes Low-Income Californians Make With Health Coverage

Missing Medi-Cal or MSP eligibility because they assumed assets disqualify them. The asset limit reinstated January 1, 2026 affects only non-MAGI programs (seniors 65+, disabled). Standard MAGI Medi-Cal for adults 19–64 has zero asset test. For seniors subject to the $130,000 limit, the primary home and one car are completely exempt — an asset-rich senior with a valuable home may still easily qualify. Call HICAP at 1-800-434-0222 for a free eligibility check before self-disqualifying.
Failing to report income changes to Covered California promptly. Starting with tax year 2026, the cap on repaying excess Advanced Premium Tax Credits is completely eliminated. If your actual income was higher than what you reported to Covered California, you will owe back the full difference when you file your federal taxes. Report income changes immediately at CoveredCA.com or call (800) 300-1506 to avoid an unexpected and potentially large tax bill.
Not appealing a Medi-Cal denial. If your Medi-Cal application is denied, you have the right to appeal within 90 days. Every denial notice must explain the specific reason for denial and include instructions for requesting a state fair hearing. Many denials are based on errors in income calculations or missing documentation that can easily be corrected. Free legal help with Medi-Cal appeals is available through California Legal Services at lawhelpca.org or by calling the Health Consumer Alliance at (888) 804-3536.

© BudgetSeniors.com — This guide is independently researched and written. We are not affiliated with, compensated by, or endorsed by any insurance company, government agency, or healthcare provider. All income limits, asset thresholds, program rules, and eligibility requirements are verified from official government and advocacy sources as of March 2026. California health coverage rules change frequently — always confirm current requirements at official program websites or by calling program helplines before making any coverage decisions. For personalized legal or financial guidance, consult a licensed attorney or Certified Medicaid Planner. Medi-Cal / Covered CA: (800) 300-1506 • BenefitsCal.com • HICAP: 1-800-434-0222 • SSA Extra Help: (800) 772-1213 • Medicare: 1-800-633-4227 • FQHC Locator: 1-800-221-2393 • 211 (24/7 Crisis): Dial 2-1-1 • Health Consumer Alliance: (888) 804-3536 • BenefitsCheckUp: BenefitsCheckUp.org

Primary sources: HHS ASPE 2026 FPL $15,960 single / $21,640 couple Jan 15 2026; DHCS dhcs.ca.gov (Medi-Cal MAGI 138% FPL $22,025; MAGI no asset test; ABD; pregnancy 213%; CHIP 266%; postpartum 12 months; IHSS 700,000+ cdss.ca.gov 888-944-4477; dental ABD $1,800/yr; 800-300-1506; BenefitsCal.com; 3-month retroactivity); Justice in Aging justiceinaging.org Nov 2025 (Jan 1 2026 $130K/$195K limit; exempt assets; 2024–2025 transfers not penalized; renewal documentation); Disability Rights California disabilityrightsca.org (MAGI unaffected; non-MAGI asset test; aid code M1; immigration changes Jan 2026); California Health Advocates cahealthadvocates.org Jan 2026 (MSP asset limits $130K/$195K; QMB ~$1,350; SLMB ~$1,566; QI ~$1,816; 2025 amounts pending 2026 spring update; HICAP 1-800-434-0222; Extra Help auto-enrollment Medi-Cal; LIS copays 2026); Medicare.gov ($202.90 Part B 2026; MSP QI first-come first-served); NCOA ncoa.org ($7,000+ combined MSP+Extra Help; $5,700 Extra Help; $5.10/$12.65 drug copays 2026; drug copays $1.60/$4.90 full dual Medi-Cal); SSA CY2026 LIS memo (150% FPL; $16,590/$33,100 resources; income $2,015/mo single); Covered California coveredca.com Feb 26 2026 press release (1,927,371 enrolled; 97% avg premium increase; $190M HCARF; 165% FPL $23,475; $45/mo avg state subsidy; 17% $0 premium; new enrollment down 32%; terminations up 32%; cancellation 22% middle income); CHCF chcf.org Jan 5 2026 (EPTC expired; $2.1B federal gap; state subsidy focus ≤150% FPL); National Health Law Program healthlaw.org Mar 2026 (APTC repayment cap eliminated; OBBBA; immigration SEP eliminated); HRSA FindAHealthCenter.hrsa.gov (1-800-221-2393; 340B program; Section 330); 211ca.org; BenefitsCheckUp.org NCOA (2,000+ programs); medicaidplanningassistance.org (LTC $2,901 income limit; 30-month look-back; MERP estate recovery; CSRA; home exempt); Health Consumer Alliance 888-804-3536 lawhelpca.org

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