2025: Refine income rules and update resource limits for Medicare Savings Program (QI)

[kbottagaro]

Refine income rules and update resource limits for Medicare Savings Program (QI):

A. Refine income rules: MFB currently applies a fixed income. Change income calculation in following respects:

• Show eligibility if individual or married couple income, as applicable, equals at least 120% FPL but is not greater than 135% FPL taking into account income disregards
  (1) All users get a $20 general income disregard, applied as follows:
  (a) Disregard first $20 of unearned income except SSI income
  (b) If client has less than $20 of unearned income, the difference will be applied as an earned income disregard, if applicable
  (c) Only one $20 general income disregard is allowed per couple and is divided between the spouses; if one spouse has no income, the other spouse gets the entire $20 disregard
  (2) $65 earned income disregard
  (a) Deduct the first $65 of all earned income
  (b) Divide the remaining income in half - use this result as amount of earned income for determining eligibility
  (c) For married copules, consider one-half of income available to each spouse

NOTE: HCPF publishes fixed income limits that are based on 135% FPL + $20.

B. Update resource limits for 2025:
individual: $11,160
married couple: $17,470

Sources:

• https://hcpf.colorado.gov/sites/hcpf/files/HCPF%20OM%2024-058%202025%20Increase%20to%20Resource%20Limits%20-%20Medicare%20Savings%20Programs%20and%20Low-Income%20Subsidy.pdf
• https://hcpf.colorado.gov/sites/hcpf/files/HCPF%20OM%2024-003%20Medical%20Assistance%20-%20Medicare%20Savings%20Program%20and%20Low-Income%20Subsidy%20%281%29.pdf
• https://www.sos.state.co.us/CCR/GenerateRulePdf.do?ruleVersionId=11736&fileName=10%20CCR%202505-10%208.100 (pp. 75-77; 92-93)