Medi-Cal vs Covered CA 2026: The New "Subsidy Cliff" & Huge Updates скачать в хорошем качестве

Medi-Cal vs Covered CA 2026: The New "Subsidy Cliff" & Huge Updates

Are you choosing between Medi-Cal and Covered California in 2026? Warning: The "Subsidy Cliff" is officially back, and your health insurance costs could jump by thousands of dollars. In this video, we break down the major 2026 updates for California health insurance, including new income limits, immigration status changes, and the return of asset tests for seniors. Whether you're applying for the first time or renewing, this guide ensures you don't lose coverage. Key Topics Covered: Medi-Cal vs. Covered California: What’s the difference? The 2026 Subsidy Cliff: Who loses financial help? New Asset Limits for Seniors (Non-MAGI Medi-Cal). Critical Immigration Status updates for 2026. Why there is NO auto-renewal this year. Official Resource: https://www.CoveredCA.com Help Line: 1-800-300-1506 [00:00] – Introduction: 2026 Health Insurance Updates [00:43] – Medi-Cal vs. Covered California: Two Doors, One House [01:45] – Similarities: Essential Health Benefits Covered by Both [02:44] – Change 1: The 2026 Subsidy Cliff Explained [05:33] – Change 2: Statewide Premium Increases (10-25%) [05:52] – Change 3: Immigration Status & Medi-Cal Rollbacks [07:03] – Change 4: New Asset Limits for Seniors (Non-MAGI) [08:04] – Change 5: No More Auto-Renewals Starting in 2026 [08:44] – Income Thresholds: The 138% FPL Dividing Line [09:50] – Comparing "Subsidy Zones" (Silver 94, 87, and 73) [11:19] – The 400% FPL Cliff: Real Costs for Families [12:15] – Life on Each Program: Managed Care vs. Private Networks [14:40] – The "No Auto-Renewal" Warning & Open Enrollment Window [15:43] – How to Apply: The "No Wrong Door" Policy [16:16] – Step-by-Step Guide to Applying on CoveredCA.com [18:10] – How to Get Free Help from Certified Counselors [18:37] – 5 Costly Mistakes Californians Are Making Now [21:01] – Bonus Tip for the Self-Employed: Managing the Cliff [21:44] – Conclusion: Summary of 2026 Changes