State RegulationsCA specific✓ Verified · outline & fact-checked · Sep 2026Difficulty 3/5
A 25-year-old California resident has household income equal to 200 percent of the federal poverty level (FPL). Which statement about this individual's health coverage eligibility is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
For a 25-year-old, the 200 percent FPL income level places the individual above the Medi-Cal adult threshold of 138 percent FPL, so Medi-Cal does not apply. It falls within the 138 to 250 percent FPL band that makes a consumer eligible for cost-sharing reductions, which reduce deductibles, copays, and coinsurance for those who enroll in a Silver plan. Because income is also below 400 percent FPL, APTC assistance remains available. Combining the MAGI thresholds is exactly the multi-rule scenario tested under AH-III.C.2.
Why the other options are wrong
- B) The adult Medi-Cal threshold is 138 percent FPL, so 200 percent FPL is above the adult Medi-Cal limit.
- C) CSRs are available only on Silver-tier plans, not on any metal tier the consumer chooses.
- D) Income below 400 percent FPL can still qualify for premium tax credits, so 200 percent FPL does not disqualify the individual from assistance.
Memory hook
200% FPL: over Medi-Cal, inside the CSR Silver band, under the APTC cap.