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ACA/Family: An individual who is under the age of nineteen (19) and is not living with an adult caretaker. See also “DEPENDENT CHILD”. MODIFIED ADJUSTED GROSS INCOME (MAGI) - A household’s adjusted gross income plus any Social Security, interest, and foreign income. MONTANA ACCESS TO HEALTH CARD–A Medicaid recipient’s permanent Medicaid ID card. Possession of the card does not guarantee Medicaid eligibility. MONTH RECEIVED—The benefit month in which money may be available to the applicant or recipient or in which the person will receive the money in-hand. SSA and SSI payments are exceptions to this definition, when the payment is made at the end of a month (usually because of holiday mail) for use during the following month. MUSE – Montana Unemployment Services Environment system (Replaced MISTIC) MUTUAL FUND—A company without fixed capitalization, freely buying and selling its own shares and using its capital to invest in other companies. N NADA—National Automobile Dealers’ Association NH—Nursing home NATIVE HAWAIIAN OR PACIFIC ISLANDER—A person having origins in any of the original peoples of Hawaii, Guam, Samoa, or other Pacific Islands NAVIGATORS—Individuals trained to provide fair, impartial, and accurate information to assist consumers with applying, clarifying differences between qualified health plans, and helping qualified individuals make informed decisions during the health plan selection process. They also must provide additional assistance to disabled consumer and those with limited English proficiency NEGOTIABLE INSTRUMENT—A written unconditional agreement signed by a person who promises to pay a specific sum of money at a specific time or on demand to the person, company, corporation or institution named on the note. A negotiable instrument may or may not involve the loan of money or goods NET COUNTABLE INCOME—Includes all non-excluded earned income and all non- excluded unearned income, less applicable disregards and deductions NET MONTHLY INCOME (NMI) STANDARDS--(Need Standard) - Levels of net countable income for each size filing unit which cannot be exceeded if the unit is to be eligible NET PROFIT—Gross revenue less allowable business expenses NON-EXEMPT (COUNTABLE) - Income and resources counted, in whole or in part, to determine eligibility. NON-FILER—An individual who does not expect to file a tax return or be claimed as a dependent on someone’s tax return NON-HISPANIC/LATINO—A person who is not Hispanic or Latino according to the definition stated earlier NON-LIQUID RESOURCES—Resources which cannot reasonably be converted to cash within 20 working days. The term may be applied to either real or personal property. A resource which has been determined to be non-liquid for any reason is not considered inaccessible or excluded simply because the value of the asset cannot be accessed in the benefit month NON-RESCINDABLE—Cannot be voided, repealed or annulled