FAQ’s, Explanations & More Details 


1   What is my Household Size

Try this Flow Chart for a simpler explanation

How many dependents are on your Tax Return?  Section 151

Household Income includes all dependents on your returnMAGI

2   What is MAGI Modified Adjusted Gross Income – Line 37 AGI + Social Security, Tax Exempt Interest & Foreign Income

Tax Return Reconcilation of Subsidy is on these official forms 1040, 1095 and 8962 at the end of the year

4   MAGI based Medi-Cal    One can get FREE Medi-Cal base on  MAGI Income Line 37 of your 1040  – If your income falls  below 138% of the CA Poverty Line on the chart above.  There is no longer an asset  test, nor  estate recovery.

medi cal pregnant women

5   MAGI Medi-Cal for Pregnant Women

6   Medi-Cal Access Program   If you’re pregnant – up to 322% of FPL –  Formerly AIM

7   C-CHIP County Children’s Health Initiative Program in three northern CA counties

magi medi-cal under 19

8   Kids under 19 go in Medi-Cal if MAGI Income is below 266% of Federal Poverty Level.  While you can purchase coverage direct from an Insurance Company at Open or Special Enrollment, there is no PTC subsidy or premium tax credit.

Learn More ==> Western Poverty Page 72

9   Enhanced Silver – Cost Sharing  94, 87 & 73  – in addition to subsidies, you get lower deductibles & Co Pays.  94 is better than platinum which is 90 and 87 is better than gold which is 80 – metal level.

Silver 70  has a $2,500 Deductible and Standard Metal Levels, Bronze $5k deductible, Gold and Platinum $0 Deductible

federal poverty level

10   Federal Poverty Level FPL  safetyweb.org/fpl  – Definition

FPL gets  adjusted annually, IMHO the best way to calculate is to Click here to calculate your premium assistance and get proposals

Federal Poverty Level (FPL): “An income level based on the official poverty line as defined by the federal Office of Management and Budget and revised annually or at any shorter interval that the Secretary of Health and Human Services deems feasible
and desirable.” 22 CCR § 50041.5; see also 10 CCR § 6410 

Subsidies now go to 600% CA Health Line *

eligible for premium tax credit

11   Use our free calculator to see how much subsidy and enhanced silver benefit you might qualify for.  Less than 138% of FPL generally qualifies one for Medi-Cal.

Silver 94 - Under 138% Only if you can't get Medi-Cal
Silver 94 – Under 138% Only if you can’t get Medi-Cal  –  Learn More

12  Silver 94 – Under 138% Only if you can’t get Medi-Cal  –  Learn More

13 Click here to calculate your premium assistance and get proposals


We are paid by Covered CA and the Insurance Companies to help you, when you appoint us as your agent NO CHARGE!  


Click here for older Comments  & FAQ’s

​2019 1040 Form   

Line 8b Adjusted Gross income then add line 2a, 5a &

7a (Foreign Income)

to get Covered CA MAGI Income


2019 Schedule 1  Additional Income & Adjustments to Income

Related Pages in Income – FPL & Program Chart

Will the subsidies go away with Donald Trump

Flow Chart from IRS Website – Eligibility for APTC Advance Premium Tax Credit – Subsidy

Accepted proofs of income for Covered CA  –  IMHO your 1040 is the best one!

Federal Poverty Level (FPL) Chart

FPL calculator ONLY

Use ours which includes benefits & subsidies and online enrollment

Share of Cost (Cost Sharing Reduction) MAGI Medi-Cal – Doesn’t apply in CA!  (≥100 to ≤150%)  FPL – The rules for 100 to 138 are quite complex  doesn’t apply in CA

Learn More ===> Western Poverty & Law 375 booklet

email us

Steve Shorr on how to read & interpret the Income Chart

Steve Shorr - Covered CA Certified Agent

Steve Shorr – Covered CA Certified Agent –
Appoint Us  
No Charge for Complementary Year Around Service –
Same price as Covered CA or Direct with Insurance Company
Get instant Quotes, including APTC Subsidy Calculation

Set up time for phone, Skype or face to face meeting

Video on how great agents are

Report Changes as they happen # 5152
Our webpage on reporting changes 

Report Changes as they happen

Changes should be reported within 30 days. Here’s instructions.  If you’ve appointed us – instructions – as your broker, no extra charge, we can do it for you. 

Video Importance of Reporting Changes – Covered CA Video

IRS Video


Denial of benefits and possible criminal charges if you don’t report changes in income!  

44 comments on “Income Chart – Line 8b 1040 Covered CA MAGI

  1. I am applying for covered california and I have reduced income from the Korna and I am not sure how to apply

    my last year’s tax return and stuff is going to be way off and I haven’t filed yet anyway –

    is this something you can help me with?

    What would be the cost to me?

    I am sure I qualify for a subsidy but not sure how to do it…

  2. I have several questions before submitting our Medi-Cal renewal redetermination application:

    1. Will my 19 year old who is a full time college student living at home and is claimed as a dependent on my husband and my tax returns be still eligible under our medi-cal account?

    2. What is the income threshold for a family of 5 or if he counts as part of our family, then what is the income threshold for a family of 6?

    3. Do assets and bank savings count in the eligibility determination?

    If so, what is the max we can have?
    If so, Will money in kids custodial savings accounts count as an asset?

    4. We have a small business that hasn’t made money. It is an S Corp.

    Will a paystub from our own company count as income verification?

  3. Could you please help us to determine what option would be available at this point for health insurance for one person household with salary of $27,949 in 2018 and less than $10,000 in 2019 living in 92604

  4. You said that my friend does not make enough for her and the baby to be on blue Shield so we are going by what you said. That is why we did not list the baby on the Covered CA application. We do not want the baby on Medi-Cal.

    • We do not allow clients, web visitors or prospects to quote what we said, or worse yet, what you think we said. What we said or what you think we said doesn’t count. It’s what the law, regulation, case law or actual brochure says. You may only cite those going forward.

      Medi-Cal offers a Blue Shield option. Talk to your Social Worker about it. We don’t get paid to help you with Medi Cal.

      Please take another look at the income chart above. Please note that the subsidies, qualification, etc. go by household size. So, if the baby isn’t listed, then we only have a household of one.

      We do not need any hassles with household members going uninsured. It’s not Open Enrollment and Covered CA’s interpretation says that going into Medi-Cal is NOT a loss of coverage. Thus, the baby can’t get individual coverage till January. We are not willing to be party to this lawsuit waiting to happen.

      We are not willing to engage in any possible tax fraud or allegation.

      Also, we do not deal with 3rd parties when the person who wants coverage is a competent adult.

      So, please, would stop getting in the middle and have the client, fill out the application properly, including all family members, so that we can upload all the information to your Covered CA account and make sure the information in the online portal is correct.

      Even if the baby gets enrolled in Medi Cal, you can have a private plan, that you will not get subsidies on and Medi Cal.

  5. I’m making more than 600% of Federal Poverty Level, per chart above.

    Does that me I can’t have no longer eligible Covered CA anymore?

    Does that mean I have to get new coverage?

    Can your Certified Agency help me either stay with Covered CA or get coverage direct with an insurance company?

    • There is no maximum income for Covered CA.

      They might ask for income documents though.

      If you are already with Covered CA, I suggest you just stay there, no hassle in filling out a new application. Automatic renewal, etc.

      Note, if your income goes down unexpectedly during the year, you can’t get back into Covered CA unless you’re already there….

      Covered CA and Direct are pretty much mandated to be the exact same coverage, guaranteed issue and premium. One caveat, due to a court case… The subsidies for enhanced silver… didn’t work out. So, if you want a Silver Plan and are not getting subsidies, the premium is less if you go direct to an Insurance Company.

      See link above to get quotes. Covered CA and the Insurance Companies pay us, so there is no charge to you for our expertise.

  6. The 2020 FPL’s are forecasted FPLs. Until the Feds actually release the FPL numbers, sometime in January 2020, these are just estimates. I assume they were used to forecast the potential subsidy amount. Also forecast are the numbers of people who would

    a. Qualify for the subsidy., and

    b. Those who will actually take advantage of it.

    I am very skeptical they can actually deploy the subsidy for 2020. That would be asking FTB to develop a whole new system and software for the accounting, from scratch, to have it in place for Jan 2020.

  7. I don’t understand the chart above where it lists number of people in the household going down and FPL Federal Poverty Level percentage across with amounts in the middle.

    What does the amount represent?

    Max Min ?

    • The dollar amount on the chart represents what one expects to earn as MAGI Income for the upcoming year. Namely, adjusted gross income + Social Security, Foreign Income and Tax Exempt interest.

      If one is less than 138% of federal poverty level and a family of one, or $16,754 MAGI income, you would go Medi Cal. If your income is over 138% or $16,754 up to 250% or $30,350, not only do you get subsidies, but they give the the Silver Plan lower co pays, deductibles, etc. Click here for more details on enhanced silver aka CSR Cost Sharing Reductions.

      If you are over 250% of FPL you get subsidies, but not the lower deductible, co pay, etc. The easiest way to figure all this out is just to play with our quote engine.

      Please note, the screen shot is only an EXAMPLE. Please use our quote engine and get your own individual – private quote.

      Estimate Income

  8. I’m just confused because it seems you are looking primarily insurance that falls under covered California which is means tested.

    I don’t qualify for that this year.

    When I emailed you, why do you ask so many questions about my income?

    • We want to make sure that you have a plan and payments that best suit your needs. We didn’t do all the education just to have you order any old policy. We consult with you and make sure it fits your needs with what is available in the marketplace. We do grant, that our time is limited and those wishing to use our services, must be internet savvy enough to fill out the affiliate enrollment application on their own. We didn’t get all the education and build this extensive website to do clerical work.

      The average person might not know if they qualify for subsidies. The term MAGI income can be quite complex. The new tax forms don’t have a line 37 AGI Adjusted Gross Income anymore. AGI is NOT MAGI!

      Don’t forget, President Trump said insurance was very complicated! Scroll down to see video.

    • Means tested is a big word for us… I’m not sure it’s the correct one…

      A means test is a determination of whether an individual or family is eligible for government assistance, based upon whether the individual or family possesses the means to do without that help. https://en.wikipedia.org/wiki/Means_test

      This just goes to show how complex it all is and why we assist people even if they think they know more than us or even if they actually do.

  9. My wife and I are here on a Visitor Visa. She’s pregnant and due soon. We are a family of 4 with foreign income of $70k from my job. What coverage can we get for her.

  10. we are a family of 4 our in come ranges between 4,500-5,000 per month . what health plan best suits us and will it be expensive?

  11. Are we correct that we can purchase health insurance off of the exchange without premium assistance even though we fall into the Medi-Cal category?

    • Do you mean on Medi-Cal or with Covered CA subsidies? Click here and get a complementary proposal, benefits and subsidiy calculation. Note that Medi-Cal is 138% of FPL for the whole family. If you are above that, the parents can get Covered CA with enhanced silver and subsidies, while the children stay on till 266% of FPL. In certain northern counties till 322% of fpl. Again, the best way to see is getting the free quote. Even if you don’t qualify for Medi-Cal, with subsidies, the premiums are VERY low!

  12. With a income of 22,818.00 a year what does cover ca pay on a health net silver 87 plan, and what do I pay out of pocket.

  13. My question is about my mom, who is both a senior and disabled.

    She is currently receiving Medi-Cal aid since she requires a significant amount of home care during the day and early evenings.

    What is the income level for her to receive 100% Medi-Cal benefits for home care.

    Rather than the rate based on a “cost-sharing reduction”.

  14. i am having a hard time trying to see if i can get medi-cal. i dont understand most of those charts. i am 60 years old drawing ssi – Supplemental Security Income from my deceased husband. i make 18,588.00 a year, i cant work and i am trying to get on disabilty. but not went through yet. can you send me to the right web site, or tell me if i can get it?

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