California’s Family Planning, Access, Care, and Treatment program — Family PACT — provides free reproductive healthcare to California residents whose household income is at or below 200% of the federal poverty level and who don’t have other coverage for family planning services. For a single person in 2026, that income ceiling is $31,920. Eligibility for Family PACT is set by state statute, determined on the spot at a participating clinic, and based entirely on what you tell the provider about your income and insurance.
Who Qualifies
California Welfare and Institutions Code Section 24003 sets four requirements. You must be a California resident. Your gross family income must be at or below 200% of the federal poverty level. You must lack other health coverage for family planning, or face a confidentiality barrier that prevents you from using the coverage you have. And you cannot already be receiving full-scope Medi-Cal without a share of cost.1California Legislative Information. California Welfare and Institutions Code WIC 24003
A few things about this process surprise people. Income is self-declared, signed under penalty of perjury. You will not be asked for pay stubs or tax returns, and the provider must accept the number you give.2Medi-Cal. Family PACT Client Eligibility There is no asset test, so savings or property don’t matter. Providing a Social Security number is voluntary, and services cannot be denied if you decline to give one.1California Legislative Information. California Welfare and Institutions Code WIC 24003
The statute also authorizes a possible copayment for clients with income above 100% of the federal poverty level, but copayments cannot be used to deny access to services.1California Legislative Information. California Welfare and Institutions Code WIC 24003
2026 Income Limits by Household Size
Your household’s gross annual income must fall at or below the following amounts, which represent 200% of the 2026 federal poverty guidelines:3U.S. Department of Health and Human Services. 2026 Poverty Guidelines
- 1 person: $31,920
- 2 persons: $43,280
- 3 persons: $54,640
- 4 persons: $66,000
- 5 persons: $77,360
- 6 persons: $88,720
- 7 persons: $100,080
- 8 persons: $111,440
For households larger than eight, add $11,360 for each additional person.
How Medi-Cal and Other Insurance Affect Eligibility
If you have full-scope Medi-Cal with no share of cost, or you’re enrolled in a Medi-Cal managed care plan, you are not eligible for Family PACT. Those programs already cover your family planning services, and providers are required to bill Medi-Cal first.2Medi-Cal. Family PACT Client Eligibility
Several situations are exceptions. You can qualify for Family PACT if you have Medi-Cal with an unmet share of cost, if you have restricted-scope Medi-Cal that doesn’t cover contraception, or if you have any insurance but using it would reveal your family planning visits to a spouse, partner, or parent. The program calls that last situation a “barrier to access,” and it makes you eligible even with active coverage.2Medi-Cal. Family PACT Client Eligibility
When you enroll through Family PACT rather than billing your regular insurance, no explanation of benefits goes to the policyholder. That matters most for dependents on a parent’s or spouse’s plan. On the enrollment form, indicating that concern about a partner, spouse, or parent learning about your appointment would keep you from using existing coverage establishes the barrier to access needed to qualify.2Medi-Cal. Family PACT Client Eligibility
Minors
There is no minimum age. Minors can enroll on their own behalf without parental consent, and when a minor applies, parental income is excluded from the eligibility calculation entirely.2Medi-Cal. Family PACT Client Eligibility
Under California Family Code Section 6925, a minor can consent to medical care for the prevention or treatment of pregnancy without parental involvement, which covers all forms of contraception, including long-acting methods and emergency contraception. Sterilization of a minor is the one exception and still requires parental or guardian consent.4California Legislative Information. California Family Code 6925 For STI-related care, a minor who is 12 or older can independently consent to diagnosis, treatment, and prevention of sexually transmitted infections, including HIV testing.5California Legislative Information. California Family Code 6926 When a minor consents to care under these statutes, the minor controls access to the related health records, and a provider generally cannot disclose that information to parents without the minor’s permission.
What Family PACT Covers
Family PACT covers every FDA-approved contraceptive method.6Department of Health Care Services. Family PACT Benefits Clinical Services Overview That includes:
- Condoms and diaphragms
- Oral contraceptive pills, transdermal patches, vaginal rings, and injectable contraceptives
- Long-acting reversible contraceptives, including IUDs and subdermal implants
- Emergency contraception
- Vasectomy and tubal ligation
- Fertility awareness education and tracking tools
Prescriptions can be filled through pharmacies that participate in the Medi-Cal Rx formulary. Not every medication is on the formulary, so if your provider prescribes something specific, confirm it appears on the Family PACT Pharmacy Formulary available through Medi-Cal Rx.6Department of Health Care Services. Family PACT Benefits Clinical Services Overview
Beyond contraception, the program covers screenings and treatments tied to reproductive health when provided during a family planning visit:6Department of Health Care Services. Family PACT Benefits Clinical Services Overview
- Pregnancy testing and options counseling
- STI screening, diagnostic lab work, and prescription treatment for covered infections
- HIV testing and counseling (treatment is not covered — see below)
- Cervical cancer screening, including Pap smears and treatment of pre-invasive lesions
- Diagnosis and treatment of urinary tract infections for women during a family planning visit
- HPV vaccination for clients aged 19 through 457Medi-Cal. Family PACT Benefits Family Planning-Related Services
Every service must be directly related to family planning or a covered reproductive health condition. Family PACT is not a substitute for primary care.
What Family PACT Does Not Cover
The program’s scope is deliberately narrow, and several services that feel closely related to reproductive health are excluded:8Medi-Cal. Family PACT Program Overview
- Prenatal and perinatal care. Pregnancy diagnosis and options counseling are covered; everything after that is not.
- Abortion services and services related to an abortion. The one exception is a contraceptive device or IUD inserted immediately after an abortion, which is covered.
- Infertility diagnosis and treatment, except for fertility awareness education.
- HIV or hepatitis treatment. Testing is covered; ongoing treatment is not.
- Hepatitis B immunization and lab testing.
- Screening mammograms.
If you need any of these services, your Family PACT provider should help connect you to Medi-Cal or another program that does cover them. Walking in expecting prenatal care through Family PACT is a common misunderstanding, and it can delay getting the right coverage in place.
How to Enroll and Recertify
Enrollment happens at the point of service. You walk into a participating provider’s office and get certified the same day. Start by finding a clinic through the Family PACT Provider Locator at familypact.org.9California Family PACT Program. Provider Locator At the visit, you complete the Client Eligibility Certification form (DHCS 4461), which asks for your name, address, household size, gross income, and insurance status.10Department of Health Care Services. Family PACT Client Eligibility Certification Form DHCS 4461 The provider reviews your information, determines eligibility, and issues you a Health Access Programs (HAP) identification number on the spot. The card works at any enrolled Family PACT provider statewide.11California Family PACT Program. How to Become a Family PACT Client
Eligibility lasts up to 12 months from the date of certification, or until your circumstances change, whichever comes first. You can start renewal after 10 months to avoid a gap. At every visit between recertifications, your provider reaffirms your eligibility by rechecking income, household size, and insurance status. If you gain insurance, your income rises, or your household changes, the provider updates the record. If you no longer meet the criteria, the provider deactivates your HAP number and tells you — and you receive a copy of the form, which explains your right to a fair hearing if you believe the determination was wrong.2Medi-Cal. Family PACT Client Eligibility