Do You Qualify for Medi-Cal in 2026? California Income Limits & How to Enroll in San Diego
2026 Medi-Cal income limits
Medi-Cal is California’s Medicaid program, offering free or low-cost coverage. For 2026, general guidelines are:
| Group | Income limit | Family of four example |
|---|---|---|
| Adults (19 to 64) | At or below 138% of the federal poverty level | About $45,500/year |
| Children (0 to 18) | Up to 266% of poverty | Around $87,000/year |
| Pregnant patients | Up to about 213% of poverty | — |
These numbers are updated every year, so treat them as a guide and confirm current limits when you apply.
What about assets and savings?
For most adults and children, standard income-based Medi-Cal has no asset test. Your savings or car will not disqualify you. An asset test does apply to certain groups, such as people 65 and older or those who are blind or disabled, under rules that changed in 2026.
What Medi-Cal covers
Medi-Cal covers doctor visits, hospital care, prescriptions, preventive care, mental health services, dental through Denti-Cal, and vision, a comprehensive benefit for eligible residents.
How to enroll in San Diego
You can apply online through California’s BenefitsCal portal, but the simplest path for many families is to let Opsam’s certified enrollment counselors walk you through it. They can determine which program fits, help gather documents, and complete the application with you, and if you earn slightly too much for Medi-Cal, they can help you find a subsidized Covered California plan instead. If you are ready to get started, learn more about becoming a New Patient at Opsam, or reach out through our Contact page and an enrollment counselor will follow up.
Frequently asked questions
What is the Medi-Cal income limit for a family of four in 2026?
Roughly $45,500 per year for adult coverage. Children in that household may qualify at higher incomes.
Does Medi-Cal cost anything?
For most eligible members it is free, with no monthly premium.
Can mixed-status families apply?
Yes, eligible children and certain groups can qualify regardless of immigration status. An enrollment counselor can explain your family’s options.
Where do I get help applying in San Diego?
Opsam’s enrollment counselors assist patients directly. Call (844) 200-2426.
To check whether you qualify for Medi-Cal and get help enrolling, contact Opsam Health at (844) 200-2426.
Income limits shown reflect 2026 guidelines and are updated annually. Final eligibility is determined by Covered California or your county Medi-Cal office.
