Here's the thresholds: https://www.coveredca.com/PDFs/FPL-chart.pdf https://www.coveredca.com/PDFs/FPL-chart.pdf Med-cal is basically poverty level coverage (1

Here's the thresholds: https://www.coveredca.com/PDFs/FPL-chart.pdf https://www.coveredca.com/PDFs/FPL-chart.pdf Med-cal is basically poverty level coverage (138% FPL - $29k for a family of 3) The main issues with can't afford (or more honestly can afford but it is very painful) healthcare are at the higher numbers as subsidies fade out. $83k for a family of 3 has no subsidies, but even high deductible insurance is going to go for $10k/year (meaning expected costs are realistically hitting above $13k). That's over 20% of take-home income.