Understanding the Federal Poverty Level (FPL) and Its Impact on Health Insurance in California
The Federal Poverty Level (FPL) is a benchmark for assessing individuals’ and families’ income levels relative to the federal poverty threshold. In California, health insurance premiums are often adjusted based on income from the FPL, helping many residents secure affordable coverage through Covered California.
Individuals and families earning below a certain percentage of the FPL may qualify for premium subsidies, significantly reducing their health insurance costs. On the other hand, those with incomes above the threshold may experience higher premiums. Especially for policyholders, if you are enrolled in a Silver 94 plan or your family with children under 18 and are near the updated 266% FPL threshold, it is important to review your income in Covered California. Throughout the year, the Medi-Cal agency may reassess your eligibility and transition you or your children into Medi-Cal if your income falls below the required level. who
Annual FPL Updates and Impact on Coverage
The FPL chart is updated annually in January by the U.S. Department of Health and Human Services (HHS) to ensure accurate and current eligibility guidelines. The updated 2025 FPL chart is available below.
Medi-Cal Redetermination Process
Medi-Cal redetermination (also known as renewal or recertification) is when the state reassesses a person’s eligibility for Medi-Cal. Some individuals may be automatically renewed based on data such as tax returns, bank statements, or other government assistance records (e.g., SNAP benefits, unemployment). Others may be required to submit additional documentation to confirm eligibility.
Medi-Cal beneficiaries will receive renewal notifications via mail or email from their state Medi-Cal agency. It is crucial to update your contact information with your state agency and respond within the 60-day deadline to avoid losing coverage.
Need Assistance? We’re Here to Help!
At Solid Health Insurance Services, we’re committed to helping Californians navigate their health insurance options. If you need a personalized quote or guidance on choosing the best health plan for your needs, feel free to contact us:
đź“ž Call us at: 310-909-6135
📧 Email us at: info@solidhealthinsurance.com
We look forward to assisting you with your health insurance needs!
