Medi-Cal cuts could push seniors and people with disabilities off of coverage

Julia Feinberg feels like she’s living in a sinister version of Groundhog Day. For the second year in a row California lawmakers have made it tougher for seniors and people with disabilities to qualify for state-funded health benefits. Feinberg, 37, who has a degenerative neuromuscular disorder, said without Medi-Cal she would be confined to a nursing home rather than living and working as a therapist in Oakland.

“We keep having to have the same fight over and over and over again,” Feinberg said. She requires a power wheelchair and about 19 hours of caregiving each day, which Medi-Cal covers. California is cutting Medi-Cal after a decade of expansion, part of sweeping federal and state cuts that experts estimate will kick more than 2.2 million Californians off coverage in the next four years, doubling the state’s uninsured rate.

The latest cut came in June, when state leaders approved a budget that will lower the asset limit for low-income seniors and people with disabilities to $21,000 to qualify for Medi-Cal, starting in July 2027. Feinberg, who has built up emergency savings, will have to spend about $10,000 to get under the cap. In 2024, the state eliminated longstanding Medi-Cal asset limits, but since then lawmakers have chipped away at that policy.

At the beginning of this year, state leaders reinstated an asset limit of $130,000, and the June budget lowered it further. A primary residence and one vehicle are exempt from the new limit, but people 65 and older as well as those with disabilities cannot own a second home or car, and they can’t have more than $21,000 in savings accounts, certain retirement accounts, life insurance policies or even burial plots. They must still meet Medi-Cal income eligibility limits of about $1,800 a month for a single person.

Advocates say the rules unfairly target older people and those with disabilities. “It’s really expensive to be disabled,” said Elizabette Guéçamburu, 44, who like Feinberg has spinal muscular atrophy and requires a power wheelchair as well as daily caregiving. Guéçamburu said she’s saving up for a used wheelchair-accessible van, which costs about $75,000.

Home modifications such as adding ramps and making bathrooms accessible also cost tens of thousands of dollars, none of which are covered by Medi-Cal. Guéçamburu said those expenses would be impossible to afford if she couldn’t save.