Covered California & Medi-Cal Income Limits Calculator (2026 & 2027)

What is the Federal Poverty Level (FPL)?

The Federal Poverty Level (FPL) is a measure of income used by the U.S. government to determine eligibility for subsidies and programs. It's updated annually and varies by household size. For California health insurance, FPL determines eligibility for Medi-Cal, premium tax credits, and cost-sharing reductions.

What income counts for eligibility?

Covered California uses your Modified Adjusted Gross Income (MAGI), which includes:

• Wages and salary
• Self-employment income
• Unemployment benefits
• Social Security benefits
• Investment income (dividends, capital gains)
• Rental income
• Alimony received (if divorce finalized before 2019)

What are Cost-Sharing Reductions (CSR)?

Cost-Sharing Reductions lower your out-of-pocket costs (deductibles, copays, coinsurance) on Silver plans. CSR levels are based on income:

• Silver 94: Income 138-150% FPL - Plan pays 94% of costs
• Silver 87: Income 150-200% FPL - Plan pays 87% of costs
• Silver 73: Income 200-250% FPL - Plan pays 73% of costs

What's the difference between Medi-Cal and Covered California?

Medi-Cal Medi-Cal is California's Medicaid program providing free or low-cost health coverage for those with income at or below 138% FPL (adults) or 266% FPL (children).

Covered California Covered California is the state's health insurance marketplace where you can buy private health plans with premium tax credits if your income is between 138-400% FPL (or higher with enhanced subsidies through 2025).