Asset limits will return in 2026.
If you apply for Medi-Cal in 2025:
- Through December 31, 2025, Medi-Cal eligibility is based on income only.
- You will not be asked about your assets.
- You do
not need to report any assets when you apply for or renew Medi-Cal during this time.
If you apply for or renew Medi-Cal in 2026:
- If you are age 65 or older, have a disability, or need long-term care, Medi-Cal will look at both your income and assets when you apply for or renew your coverage.
- The asset limit is $130,000 for one person. For each additional household member, the limit increases by $65,000, up to 10 members can be in a household
- If your assets are above the limit, you may not qualify for Medi-Cal unless you lower them. Talk to your
local county Medi-Cal office to learn more about your options.
NOTE: Medi-Cal’s uses asset limits to help decide if you qualify for coverage. These limits are not the same as the rules for estate recovery. To learn more, visit the
Estate Recovery webpage.
Assets
- You are not required to report assets for Medi-Cal applications or renewals submitted through 2025.
- Starting
January 1, 2026, the following Medi-Cal members and new applicants will need to report asset information:
- Age (older adults, 65+ years of age)
- Disability (physical, mental, or developmental)
- Long-term care needs
- Assets include:
- Bank accounts
- Cash
- Property
- Vehicles
-
Some assets don’t count, like the home you live in, one vehicle, household items, and certain savings, like retirement accounts.
Income
- Income rules are not changing. Medi-Cal still considers:
- Wages and other income
-
Income from property may include:
-
Rent
-
Income from property you own (like rent or lease payments)
I Already Have Medi-Cal
- You do
not need to report assets during your 2025 renewal.
- Starting in 2026, certain members’ assets will be reviewed during renewal.
- Tools and information will be provided to help you report correctly and stay covered.
