【加州健保】Medi-Cal vs. Covered California for New Immigrants: Understanding the differences | BIEU LAM INSURANCE SERVICE

Medi-Cal vs. Covered California for New Immigrants: Understanding the 2026 Shift

At Bieu Lam Insurance, we take pride in being the first point of contact for many new neighbors arriving in California. For years, California led the nation in expanding health access regardless of status. However, 2026 has introduced significant "speed bumps." New federal mandates under the One Big Beautiful Bill Act (OBBBA) and state budget adjustments have created a fork in the road for new immigrants: those who apply now face different rules than those who were already here.

Can new immigrants still enroll in full-scope Medi-Cal in 2026?

As of January 1, 2026, there is a freeze on new full-scope Medi-Cal enrollments for undocumented adults (ages 19-64) who do not meet "Satisfactory Immigration Status" (SIS). While those already enrolled before the deadline can keep their coverage, new arrivals in this category generally only qualify for Emergency Medi-Cal. However, children (0-18) and pregnant individuals remain eligible for full-scope coverage regardless of their immigration status.

What are the 2026 asset limits for new Medi-Cal applicants?

A major change for 2026 is the return of the Asset Limit for specific Medi-Cal categories. While the limit was previously removed, it has been reinstated for applicants who are 65+ or have disabilities. In 2026, a single applicant is limited to $130,000 in countable assets, with an additional $65,000 for each household member. This makes professional consultation essential for new immigrant seniors who may have savings from their home country.

How does Covered California help "Lawfully Present" immigrants?

For immigrants with "Lawful Presence" (such as Green Card holders, refugees, or those on work visas), Covered California remains the primary gateway. Unlike Medi-Cal, Covered California does not have an asset test. Even if you have been in the U.S. for less than five years and are barred from federal Medicaid, you may still qualify for California State Subsidies in 2026, which help lower monthly premiums for those earning up to 165% of the Federal Poverty Level.

Is health insurance considered a "Public Charge" in 2026?

This is the #1 question we receive at Bieu Lam Insurance. Under current 2026 guidelines, using Medi-Cal (except for long-term institutional care) or receiving subsidies through Covered California is NOT considered a public charge. It will not negatively impact your path to a Green Card or Citizenship. Protecting your health is considered a benefit to the state, not a burden.