MediCal Concern

Hi, I'm currently shopping around for health insurance as a 22 year old in California as my current one will be no longer active in a few weeks (recently graduated college, so I'm losing the health insurance I got through that). I believe I only qualify for MediCal and not Covered California, but due to the nature of my jobs, I really have no idea exactly how much I'll have made by the end of the year. My best estimate is approximately $15,000, but since I'm a pet sitter and a merchandiser, that could vary wildly. Basically, since winter is my busiest time in both of these positions, it's also when I get the most money; it's not out of the realm of possibility that I'll make more than $20,000 this year when all is said and done, though not very likely. It's even possible I won't know that I will be making that much until mid December.

Since the cut off for MediCal is a little over $20k, my concern is what happens if I end up making more than that on my taxes? Will there be some kind of penalty, or will I be able to explain myself and how I had no reasonable way to know when applying? Obviously I'll update my income info as required throughout the next few months. Also, if I get kicked off MediCal in, say, late November or in December, is it possible to apply for Covered California for the rest of the year, or will I have to wait until the start of 2025? Apologies for the stupid question, I know it will probably fine if I get MediCal and end up making too much, they'll just kick me off. I'm just an anxious person by nature, and especially when it comes to insurance!

submitted by /u/notcoybutcryptic
[comments]