Immediate health care changes affecting Medi-Cal recipients and those on health insurance exchanges are approaching. Notably, the return of the asset test will require applicants to prove they have resources below set limits. Starting January 1, 2026, limits will be set at $130,000 for individuals and $65,000 for additional household members. Exempt assets will include the principal residence, a vehicle, and retirement accounts that provide regular payments. Non-compliance will lead to coverage denial for those exceeding the limits.
The asset test requires applicants to prove that they do not have more resources, both cash and property, than is allowed by statute.
The state will set asset limits at $130,000 for one person and $65,000 for each additional person, starting on Jan. 1, 2026.
Exempt assets include the principal residence, one vehicle, personal effects, and some retirement accounts that generate regular payments.
Those who go over specified limits will be denied coverage unless they spend down or otherwise divest their assets.
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