Help with Covered CA/Medi-cal eligibility–am I screwed?

Hi all! Last year, I worked from January–July. When I left my job at the end of July, I enrolled in Covered California and reported my yearly income as what I'd already earned in 2023 (~$25,000).

For a number of reasons, I've been out of work since that time. I allowed myself to be automatically re-enrolled in the same plan with the same subsidy for this year. I'm currently seeking work, with the plan to return by the end of next month. However, I'm concerned that I won't make the 138% FPL income limit required to be eligible for the Covered CA subsidy I've been taking. I need to make $20,783 by the end of the year, I believe. What happens if I don't make the cut? Is there a difference between making far under that number vs. just slightly under that number? Will I have to pay back all the subsidies I've been taking this year if I would have qualified for medi-cal rather than a Covered CA subsidy?

submitted by /u/dramagalrl
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