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Kevin Knaus from insurancekevin.com explains that after applying or renewing through Covered California, you may need to verify your income. There are many reasons for this and it can be complex. Providing various documents can verify your income, with the easiest being the income attestation form, especially for self-employed individuals. The trigger for this verification is when your last filed 1040 federal tax return differs by 20% from your estimated modified adjusted gross income at Covered California. Different reasons can cause this, including changes in income not captured in the federal tax return. Social security retirement benefits, which are untaxed, are included in Covered California's modified adjusted gross income.