1 What is my Household Size–
Try this Flow Chart for a simpler explanation
How many dependents are on your Tax Return? Section 151
Household Income includes all dependents on your return
4 MAGI based Medi-Cal One can get FREE Medi-Cal base on MAGI Income Line 37 of your 1040 – If your income falls below 138% of the CA Poverty Line on the chart above. There is no longer an asset test, nor estate recovery.
5 MAGI Medi-Cal for Pregnant Women
6 Medi-Cal Access Program If you’re pregnant – up to 322% of FPL – Formerly AIM
7 C-CHIP County Children’s Health Initiative Program in three northern CA counties
8 Kids under 19 go in Medi-Cal if MAGI Income is below 266% of Federal Poverty Level. While you can purchase coverage direct from an Insurance Company at Open or Special Enrollment, there is no PTC subsidy or premium tax credit.
Learn More ==> Western Poverty Page 72
9 Enhanced Silver – Cost Sharing 94, 87 & 73 – in addition to subsidies, you get lower deductibles & Co Pays. 94 is better than platinum which is 90 and 87 is better than gold which is 80 – metal level.
Silver 70 has a $2,500 Deductible and Standard Metal Levels, Bronze $5k deductible, Gold and Platinum $0 Deductible
10 Federal Poverty Level FPL – Defintion
FPL gets adjusted annually, IMHO the best way to calculate is to Click here to calculate your premium assistance and get proposals
12 Silver 94 – Under 138% Only if you can’t get Medi-Cal – Learn More
13 Click here to calculate your premium assistance and get proposals
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Related Pages in
- FAQ’s – on FPL Income Chart Frequently Asked Questions
- Premium Tax Credit Summary by IRS
Will the subsidies go away with Donald Trump?
Flow Chart from IRS Website – Eligibilty for APTC Advance Premium Tax Credit – Subsidy
Accepted proofs of income for Covered CA – IMHO your 1040 is the best one!
Federal Poverty Level (FPL) Chart
FPL calculator ONLY
Use ours which includes benefits & subsidies and online enrollment
Share of Cost (Cost Sharing Reduction) Medi-Cal – Doesn’t apply in CA! (≥100 to ≤150%) FPL – The rules for 100 to 138 are quite complex doesn’t apply in CA Learn More ===> Western Poverty & Law 375 booklet – email us