2026 Medicaid Income Limits by State (January 2026 Update)
Last Updated: January 2026 | Reviewed by Benefits Experts Akash Biswas
I researched the 2026 Medicaid eligibility charts and found that even the top websites on Google provide confusing information. These sites often make it difficult for regular people to find clear answers.
To help you, I (Akash Biswas) simplified all the data and rules so you can understand them without any trouble.
If you have problem to understand this please visit our dedicated website and page about Medicaid eligibility income limits for better understanding or use our Medicaid Income Calculator 2026 to see if you’re eligible.
Important 2026 Update:
- SSI Individual Limit (2026): $994 / month (Confirmed)
- SSI Couple Limit (2026): $1,491 / month (Confirmed)
- Medicare Part B Premium: $202.90 / month (Affects MSP & Spend Down)
- Washington D.C. Change: Income limit lowered to 138% FPL (Effective Jan 1)
🔔 January 2026 Medicaid Update
This page reflects the latest Medicaid income limits currently in use for 2026. Some programs still rely on the 2025 Federal Poverty Level until states adopt new guidelines.
SSI-Related Medicaid Income Limits (Updated for 2026)
Effective January 1, 2026
While the Federal Poverty Level (FPL) charts used for MAGI-based Medicaid are still transitioning, SSI-related Medicaid income limits update automatically on January 1 each year. These limits apply to aged, blind, and disabled (ABD) Medicaid programs in most states.
2026 SSI-Related Medicaid Income Limits
| Category | 2025 Limit | 2026 Limit (Current) |
|---|---|---|
| SSI Individual | $967 / month | $994 / month |
| SSI Couple | $1,450 / month | $1,491 / month |
| Essential Person | $484 / month | $498 / month |
What This Means
- These limits are officially in effect as of January 1, 2026
- They apply to SSI-linked Medicaid, not MAGI-based expansion Medicaid
- Many states automatically grant Medicaid eligibility when SSI is approved
- States may allow income disregards or spend-down options, depending on program rules
📌 Important: SSI-related Medicaid uses federal SSI payment standards, not FPL percentages. That’s why these numbers update before MAGI-based Medicaid limits.
The “Gap Period” Strategy (Jan – Mar 2026)
Jan 1, 2026
New SSI Limits Effective: SSI payments rise to $994 (individual). Many “Categorically Needy” Medicaid programs link directly to this number.
Mid-Jan 2026
HHS Releases 2026 FPL: The federal government publishes the raw poverty guidelines (e.g., 100% FPL). Action: Monitor the Federal Register.
Mar/Apr 2026
Medicaid Systems Update: States formally adopt the 2026 FPL for Medicaid eligibility. Until this date, they continue to use the 2025 guidelines ($15,650/individual).
2026 Medicaid Income Limits Chart (Updated January 2026)
| State | Medicaid Program Type | Single Applicant | Married (Both Applying) | Married (One Applying) |
| Alabama | Institutional / Waivers | $2,982 / mo | $5,964 / mo | $2,982 / mo |
| Regular Medicaid (E&D) | $1,014 / mo | $1,511 / mo | $1,511 / mo | |
| — | — | — | — | — |
| Alaska | Institutional / Waivers | $2,982 / mo | $5,964 / mo | $2,982 / mo |
| Regular Medicaid (ABD) | $1,845 / mo | $2,732 / mo | $2,732 / mo | |
| — | — | — | — | — |
| Arizona | Institutional / HCBS | $2,982 / mo | $5,964 / mo | $2,982 / mo |
| Regular Medicaid (ABD) | $1,305 / mo | $1,763 / mo | $1,763 / mo | |
| — | — | — | — | — |
| Arkansas | Institutional / Waivers | $2,982 / mo | $5,964 / mo | $2,982 / mo |
| Regular Medicaid (ABD) | $1,043.33 / mo | $1,410 / mo | $1,410 / mo | |
| — | — | — | — | — |
| California | Institutional (Nursing) | $35 Personal Allowance | $35 Allowance (ea) | $35 Allowance |
| Waivers / HCBS | $1,801 / mo | $2,433 / mo | $2,433 / mo | |
| Regular Medicaid (ABD) | $1,801 / mo | $2,433 / mo | $2,401 / mo | |
| — | — | — | — | — |
| Colorado | Institutional / Waivers | $2,982 / mo | $5,964 / mo | $2,982 / mo |
| Regular Medicaid (ABD) | $994 / mo | $1,491 / mo | $1,491 / mo | |
| — | — | — | — | — |
| Connecticut | Institutional (Nursing) | Under cost of care | Under cost of care | Under cost of care |
| Waivers / HCBS | $2,982 / mo | $5,964 / mo | $2,982 / mo | |
| Regular Medicaid (ABD) | $1,370 / mo | $2,198 / mo | $1,663 / mo | |
| — | — | — | — | — |
| Delaware | Institutional / HCBS | $2,485 / mo | $4,970 / mo | $2,485 / mo |
| Regular Medicaid (ABD) | $994 / mo | $1,491 / mo | $1,491 / mo | |
| — | — | — | — | — |
| Florida | Institutional / HCBS | $2,982 / mo | $5,964 / mo | $2,982 / mo |
| Regular Medicaid (E&D) | $1,149 / mo | $1,522 / mo | $1,522 / mo | |
| — | — | — | — | — |
| Georgia | Institutional / Waivers | $2,982 / mo | $5,964 / mo | $2,982 / mo |
| Regular Medicaid (ABD) | $994 / mo | $1,491 / mo | $1,491 / mo | |
| — | — | — | — | — |
| Hawaii | Institutional (Nursing) | Entire income minus $50 | Entire income minus $50 | Applicant’s income minus $50 |
| HCBS (At Home) | $1,500 / mo | $1,500 / mo each | $1,500 / mo | |
| Regular Medicaid (ABD) | $1,500 / mo | $2,027 / mo | $2,027 / mo | |
| — | — | — | — | — |
| Idaho | Institutional / Waivers | $3,002 / mo | $5,984 / mo | $3,002 / mo |
| Regular Medicaid (ABD) | $1,047 / mo | $1,511 / mo | $1,511 / mo | |
| — | — | — | — | — |
| Illinois | All Programs | $1,304 / mo | $1,762 / mo | $1,304 – $1,762 / mo |
| — | — | — | — | — |
| Indiana | Institutional / Waivers | $2,982 / mo | $5,964 / mo | $2,982 / mo |
| Traditional (ABD) | $1,305 / mo | $1,763 / mo | $1,763 / mo | |
| — | — | — | — | — |
| Iowa | Institutional / Waivers | $2,982 / mo | $5,964 / mo | $2,982 / mo |
| Regular Medicaid (ABD) | $994 / mo | $1,491 / mo | $1,491 / mo | |
| — | — | — | — | — |
| Kansas | Institutional (Nursing) | Over $62 to care costs | Over $62 to care costs | Over $62 to care costs |
| Waivers / HCBS | Over $2,982 to care | Over $2,982 to care | Over $2,982 to care | |
| Regular Medicaid (ABD) | $967 / mo | $1,450 / mo | $1,450 / mo | |
| — | — | — | — | — |
| Kentucky | Institutional / Waivers | $2,982 / mo | $5,964 / mo | $2,982 / mo |
| Regular Medicaid (ABD) | $235 / mo | $291 / mo | $291 / mo | |
| — | — | — | — | — |
| Louisiana | Institutional / Waivers | $2,982 / mo | $5,964 / mo | $2,982 / mo |
| Regular Medicaid (ABD) | $994 / mo | $1,491 / mo | $1,491 / mo | |
| — | — | — | — | — |
| Maine | Institutional / Waivers | $2,982 / mo | $5,964 / mo | $2,982 / mo |
| Regular Medicaid (ABD) | $1,305 / mo | $1,763 / mo | $1,763 / mo | |
| — | — | — | — | — |
| Maryland | Institutional (Nursing) | Under cost of care | Under cost of care | Under cost of care |
| Waivers / HCBS | $2,982 / mo | $5,964 / mo | $2,982 / mo | |
| Regular Medicaid (ABD) | $350 / mo | $392 / mo | $392 / mo | |
| — | — | — | — | — |
| Michigan | Institutional / Waivers | $2,982 / mo | $5,964 / mo | $2,982 / mo |
| Regular Medicaid (ABD) | $1,305 / mo | $1,763 / mo | $1,763 / mo | |
| — | — | — | — | — |
| Minnesota | Institutional / Regular | $1,305 / mo | $1,764 / mo | $1,305 – $1,764 / mo |
| Waivers / HCBS | $2,982 / mo | $5,964 / mo | $2,982 / mo | |
| — | — | — | — | — |
| Missouri | Institutional (Nursing) | Entire income minus $50 | Entire income minus $50 | Applicant’s income minus $50 |
| Regular (A&D) | $1,109 / mo | $1,499 / mo | $1,499 / mo | |
| — | — | — | — | — |
| New York | All Programs | $1,800 / mo | $2,433 / mo | $1,800 – $2,433 / mo |
| — | — | — | — | — |
| Texas | Institutional / Waivers | $2,982 / mo | $5,964 / mo | $2,982 / mo |
| Regular Medicaid (ABD) | $994 / mo | $1,491 / mo | $1,491 / mo |
Medicaid Income Limits & Guidelines (2026)
1. What is the income limit for a family of 4 in 2026?
As of January 1, 2026, the effective limit remains $44,367 (approx. $3,697/month) in expansion states. This is based on the 2025 federal guidelines, which states use until they adopt the 2026 numbers in early spring. Once the 2026 guidelines are adopted (expected March/April), this limit will likely increase.
2. Do Alaska and Hawaii have different limits?
Yes. Current limits effective through Spring 2026 are:
- Alaska: $19,550 (single) / $40,190 (family of 4) at 100% FPL.
- Hawaii: $17,990 (single) / $36,980 (family of 4) at 100% FPL.
3. How much money can you make to apply for Medicaid (Jan 2026)?
Until the 2026 federal poverty updates are fully adopted by your state (approx. March), the following 2025 thresholds apply:
- Single Adult (Expansion): $21,597 / year
- Family of 2: $29,187 / year
- Family of 3: $36,777 / year
- Family of 4: $44,367 / year
4. When do the 2026 poverty guidelines take effect?
The federal government (HHS) releases the raw 2026 poverty guidelines in mid-January 2026. However, Medicaid agencies typically wait until March or April to update their eligibility systems. Until that update happens, they continue to use the 2025 numbers.
5. Which states have expanded Medicaid for 2026?
As of January 2026, 40 states plus D.C. have expanded Medicaid. Recent expansions include North Carolina, South Dakota, Oklahoma, and Missouri.
Note for D.C. residents: Effective Jan 1, 2026, the income limit for parents and childless adults is lowered to 138% FPL.
6. Do assets (savings, car, home) count in 2026?
- Standard Medicaid (MAGI): NO. Assets like savings or cars are not checked for children, pregnant women, and expansion adults.
- SSI-Related / Senior Medicaid: YES. The asset limit typically remains $2,000 for an individual, but the monthly income limit for this group rose to $994 on Jan 1, 2026.
What Is the Medicaid Income Limit for 2025?
The 2025 Medicaid income limits vary by state, but here are the key thresholds most people need to know:
Medicaid Monthly Gross Income Limits for Adults
| Location | FPL % | 1 person | 2 people | 3 people | 4 people | Each Additional Member |
| Alabama | N/A | N/A | N/A | N/A | N/A | N/A |
| Alaska | 138.0% | 2,248 | 3,039 | 3,831 | 4,622 | 791 |
| Arizona | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Arkansas | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| California | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Colorado | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Connecticut | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Delaware | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| District of Columbia | 215.0% | 2,804 | 3,789 | 4,775 | 5,760 | 986 |
| Florida | N/A | N/A | N/A | N/A | N/A | N/A |
| Georgia | N/A | N/A | N/A | N/A | N/A | N/A |
| Hawaii | 138.0% | 1,720 | 2,326 | 2,932 | 3,537 | 622 |
| Idaho | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Illinois | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Indiana | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Iowa | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Kansas | N/A | N/A | N/A | N/A | N/A | N/A |
| Kentucky | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Louisiana | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Maine | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Maryland | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Massachusetts | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Michigan | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Minnesota | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Mississippi | N/A | N/A | N/A | N/A | N/A | N/A |
| Missouri | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Montana | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Nebraska | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Nevada | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| New Hampshire | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| New Jersey | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| New Mexico | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| New York | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| North Carolina | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| North Dakota | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Ohio | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Oklahoma | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Oregon | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Pennsylvania | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Rhode Island | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| South Carolina | N/A | N/A | N/A | N/A | N/A | N/A |
| South Dakota | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Tennessee | N/A | N/A | N/A | N/A | N/A | N/A |
| Texas | N/A | N/A | N/A | N/A | N/A | N/A |
| Utah | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Vermont | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Virginia | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Washington | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| West Virginia | 138.0% | 1,800 | 2,432 | 3,065 | 3,697 | 632 |
| Wisconsin | 100.0% | 1,304 | 1,762 | 2,221 | 2,679 | 458 |
| Wyoming | N/A | N/A | N/A | N/A | N/A | N/A |
Medicaid Eligibility for Pregnant Women: Income Limits by State
| Location | FPL % | 1 person | 2 people | 3 people | 4 people | Monthly Limit Each Additional Member ($) |
| Alabama | 146.0% | $1903 | $2573 | $3242 | $3911 | +$668 |
| Alaska | 230.0% | $3,747 | $5,066 | $6,384 | $7,703 | +$1,319 |
| Arizona | 161.0% | $2,100 | $2,838 | $3,576 | $4,314 | +$738 |
| Arkansas | 214.0% | $2,791 | $3,772 | $4,753 | $5,733 | +$981 |
| California | 213.0% | $2,777 | $3,755 | $4,730 | $5,706 | +$975 |
| Colorado | 200.0% | $2,608 | $3,526 | $4,442 | $5,358 | +$916 |
| Connecticut | 263.0% | $3,429 | $4,636 | $5,841 | $7,045 | +$1,204 |
| Delaware | 217.0% | $2,838 | $3,834 | $4,829 | $5,825 | +$995 |
| District of Columbia | 324.0% | $4,226 | $5,709 | $7,191 | $8,674 | +$1,485 |
| Florida | 196.0% | $2,556 | $3,454 | $4,353 | $5,251 | +$898 |
| Georgia | 225.0% | $2,934 | $3,966 | $4,997 | $6,028 | +$1,031 |
| Hawaii | 196.0% | $2,939 | $3,973 | $5,007 | $6,041 | +$1,033 |
| Idaho | 138.0% | $1,801 | $2,434 | $3,067 | $3,701 | +$633 |
| Illinois | 213.0% | $2,779 | $3,755 | $4,731 | $5,708 | +$976 |
| Indiana | 213.0% | $2,779 | $3,755 | $4,731 | $5,708 | +$976 |
| Iowa | 380.0% | $4,956 | $6,698 | $8,440 | $10,181 | +$1,742 |
| Kansas | 171.0% | $2,231 | $3,014 | $3,797 | $4,581 | +$783 |
| Kentucky | 200.0% | $2,608 | $3,526 | $4,442 | $5,358 | +$916 |
| Louisiana | 138.0% | $1,801 | $2,433 | $3,065 | $3,698 | +$633 |
| Maine | 214.0% | $2,791 | $3,772 | $4,753 | $5,733 | +$981 |
| Maryland | 264.0% | $3,443 | $4,653 | $5,863 | $7,073 | +$1,210 |
| Massachusetts | 205.0% | $2,674 | $3,613 | $4,553 | $5,492 | +$940 |
| Michigan | 200.0% | $2,608 | $3,525 | $4,442 | $5,358 | +$917 |
| Minnesota | 283.0% | $3,692 | $4,988 | $6,285 | $7,582 | +$1,297 |
| Mississippi | 199.0% | $2,595 | $3,507 | $4,419 | 45,332 | +$912 |
| Missouri | 201.0% | $2,621 | $3,543 | $4,464 | $5,384 | +$920 |
| Montana | 162.0% | $2,113 | $2,855 | $3,598 | $4,340 | +$743 |
| Nebraska | 199.0% | $2,594 | $3,508 | $4,419 | $5,331 | +$911 |
| Nevada | 205.0% | $2,673 | $3,614 | $4,553 | $5,491 | +$938 |
| New Hampshire | 201.0% | $2,621 | $3,543 | $4,464 | $5,385 | +$921 |
| New Jersey | 205.0% | $2,674 | $3,613 | $4,553 | $5,492 | +$940 |
| New Mexico | 255.0% | $3,328 | $4,500 | $5,672 | $6,843 | +$1,169 |
| New York | 223.0% | $2,912 | $3,937 | $4,962 | $5,987 | +$1,023 |
| North Carolina | 201.0% | $2,621 | $3,543 | $4,464 | $5,385 | +$921 |
| North Dakota | 175.0% | $2,283 | $3,085 | $3,887 | $4,688 | +$801 |
| Ohio | 205.0% | $2,674 | $3,613 | $4,553 | $5,492 | +$940 |
| Oklahoma | 210.0% | $2,739 | $3,701 | $4,664 | $5,626 | +$963 |
| Oregon | 190.0% | $2,478 | $3,349 | $4,220 | $5,090 | +$871 |
| Pennsylvania | 220.0% | $2,869 | $3,878 | $4,888 | $5,897 | +$1,008 |
| Rhode Island | 258.0% | $3,371 | $4,558 | $5,744 | $6,930 | +$1,183 |
| South Carolina | 199.0% | $2,595 | $3,507 | $4,419 | $5,332 | +$912 |
| South Dakota | 138.0% | $1,801 | $2,434 | $3,067 | $3,701 | +$633 |
| Tennessee | 255.0% | $3,328 | $4,500 | $5,672 | $6,843 | +$1,169 |
| Texas | 203.0% | $2,647 | $3,578 | $4,508 | $5,438 | +$929 |
| Utah | 144.0% | $1,878 | $2,538 | $3,197 | $3,857 | +$660 |
| Vermont | 213.0% | $2,779 | $3,755 | $4,731 | $5,708 | +$976 |
| Virginia | 148.0% | $1,929 | $2,609 | $3,287 | $3,964 | +$677 |
| Washington | 215.0% | $2,804 | $3,789 | $4,775 | $5,760 | +$986 |
| West Virginia | 190.0% | $2,477 | $3,349 | $4,219 | $5,090 | +$870 |
| Wisconsin | 306.0% | $3,991 | $5,396 | $6,801 | $8,206 | +$1,403 |
| Wyoming | 159.0% | $2,075 | $2,803 | $3,530 | $4,258 | +$728 |
Medicaid Monthly Gross Income Limits for Parents
| Location | FPL % | 1 person | 2 people | 3 people | 4 people | Each Additional Member |
| Alabama | 18.0% | $235 | $317 | $400 | $482 | +$82 |
| Alaska | 138.0% | $2,248 | $3,039 | $3,831 | $4,622 | +$791 |
| Arizona | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Arkansas | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| California | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Colorado | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Connecticut | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Delaware | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| District of Columbia | 215.0% | $2,803 | $3,790 | $4,775 | $5,759 | +$984 |
| Florida | 27.0% | $354 | $475 | $597 | $718 | +$122 |
| Georgia | 33.0% | $375 | $545 | $662 | $786 | +$72 |
| Hawaii | 138.0% | $2,068 | $2,797 | $3,524 | $4,253 | +$728 |
| Idaho | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Illinois | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Indiana | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Iowa | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Kansas | 38.0% | $496 | $670 | $844 | $1,018 | +$174 |
| Kentucky | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Louisiana | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Maine | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Maryland | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Massachusetts | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Michigan | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Minnesota | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Mississippi | 24.0% | $293 | $394 | $496 | $595 | +$78 |
| Missouri | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Montana | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Nebraska | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Nevada | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| New Hampshire | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| New Jersey | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| New Mexico | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| New York | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| North Carolina | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| North Dakota | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Ohio | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Oklahoma | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Oregon | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Pennsylvania | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Rhode Island | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| South Carolina | 100.0% | $1,304 | $1,763 | $2,221 | $2,679 | +$458 |
| South Dakota | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Tennessee | 105.0% | $1,369 | $1,851 | $2,332 | $2,812 | +$480 |
| Texas | 16.0% | $208 | $282 | $355 | $429 | +$73 |
| Utah | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Vermont | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Virginia | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Washington | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| West Virginia | 138.0% | $1,800 | $2,432 | $3,065 | $3,697 | +$632 |
| Wisconsin | 100.0% | $1,304 | $1,763 | $2,221 | $2,679 | +$458 |
| Wyoming | 138.0% | $594 | $825 | $984 | $1,132 | +$187 |
2025 Federal Poverty Level (FPL) Income Chart – 48 States & D.C.
| Family Size | 100% FPL (Annual) | 138% FPL (Most Common Adult Limit) | Monthly Limit (138%) |
|---|---|---|---|
| 1 person | $15,650 | $21,597 | $1,800 |
| 2 people | $21,150 | $29,187 | $2,432 |
| 3 people | $26,650 | $36,777 | $3,065 |
| 4 people | $32,150 | $44,367 | $3,697 |
| 5 people | $37,650 | $51,957 | $4,330 |
| 6 people | $43,150 | $59,547 | $4,962 |
| 7 people | $48,650 | $67,137 | $5,595 |
| 8 people | $54,150 | $74,727 | $6,227 |
Add $5,500 per additional person for 100% FPL, or $7,590 for 138% FPL
Alaska & Hawaii (Higher Poverty Guidelines)
Alaska 2025 Medicaid Income Limits:
- 1 person: $19,550 (100% FPL) | $26,979 (138% FPL)
- 2 people: $26,430 (100% FPL) | $36,473 (138% FPL)
- Family of 4: $40,190 (100% FPL) | $55,462 (138% FPL)
Hawaii 2025 Medicaid Income Limits:
- 1 person: $17,990 (100% FPL) | $24,827 (138% FPL)
- 2 people: $24,320 (100% FPL) | $33,562 (138% FPL)
- Family of 4: $36,980 (100% FPL) | $51,032 (138% FPL)
Non-Expansion States (Limited Adult Coverage)
Important: These states have very low or no income limits for adults without children:
- Florida: Adults 44% FPL ($6,886) – Children 208% FPL
- Georgia: Adults 30% FPL ($4,695) – Children 210% FPL
- Kansas: Adults 33% FPL ($5,165) – Children 200% FPL
- Mississippi: Adults 0% FPL ($0) – Children 200% FPL
- South Carolina: Adults 0% FPL ($0) – Children 200% FPL
- Tennessee: Adults 0% FPL ($0) – Children 200% FPL
- Texas: Adults 17% FPL ($2,661) – Children 209% FPL
- Wyoming: Adults 0% FPL ($0) – Children 200% FPL
State-Specific Income Limits 2025
Missouri Medicaid Income Limits 2025
Missouri expanded Medicaid in 2021. Income limits for 2025:
- Adults: 138% FPL ($21,597 individual, $44,367 family of 4)
- Children: 205% FPL ($32,083 individual, $65,708 family of 4)
- Pregnant women: 213% FPL ($33,350 individual)
South Carolina Medicaid Income Limits 2025
South Carolina has not expanded Medicaid. Income limits for 2025:
- Adults without children: $0 (no coverage)
- Parents: Must have income at or below 0% FPL
- Children: 200% FPL ($31,300 individual, $64,300 family of 4)
- Pregnant women: 138% FPL ($21,597 individual)
North Carolina Medicaid Income Limits 2025
North Carolina expanded Medicaid in 2023. Income limits for 2025:
- Adults: 138% FPL ($21,597 individual, $44,367 family of 4)
- Children: 200% FPL ($31,300 individual, $64,300 family of 4)
- Pregnant women: 138% FPL ($21,597 individual)
Louisiana Medicaid Income Limits 2025
Louisiana expanded Medicaid in 2016. Income limits for 2025:
- Adults: 138% FPL ($21,597 individual, $44,367 family of 4)
- Children: 200% FPL ($31,300 individual, $64,300 family of 4)
- Pregnant women: 138% FPL ($21,597 individual)
Iowa Medicaid Income Guidelines 2025
Iowa expanded Medicaid through a waiver program. Income guidelines for 2025:
- Adults: 138% FPL ($21,597 individual, $44,367 family of 4)
- Children: 300% FPL ($46,950 individual, $96,450 family of 4)
- Pregnant women: 213% FPL ($33,350 individual)
Medicaid Income Guidelines 2025: How Much Can You Make?
The answer to “How much can you make on Medicaid?” depends on three factors:
- Your state’s expansion status
- Your family size
- Which category you fall into (adult, child, pregnant woman)
Income Threshold for Medicaid by Category
Adults (19-64):
- Expansion states: Up to 138% FPL
- Non-expansion states: Often 0% FPL (adults without children may not qualify)
Children & CHIP:
- Most states: 200-400% FPL
- Higher limits than adults in all states
Pregnant Women:
- Most states: 138-213% FPL
- Special protections and higher limits
What is the Federal Poverty Level (FPL)?
The Federal Poverty Level is a baseline income measure that the government updates each year. States use it to set eligibility for programs like Medicaid and CHIP (Children’s Health Insurance Program).
For most adults and kids, Medicaid uses MAGI (Modified Adjusted Gross Income) rules to decide eligibility.
- In states that adopted Medicaid expansion, most adults under 65 qualify up to 138% FPL.
- Some states have medically needy “spend-down” options if your income is a bit too high, but your medical bills are large. (Check your state page.)
How Medicaid Calculates Income (MAGI, Household Size, What Counts)
For most adults, children, and pregnant people, states use MAGI (Modified Adjusted Gross Income). In plain English:
Counted income (typical): wages/salary, self-employment, unemployment, most Social Security benefits, taxable interest.
Not usually counted: SNAP benefits, child support received.
Household size: generally the tax household—you, your spouse if filing jointly, and your tax dependents.
(There are category-specific rules and some exceptions—see your state page.)
What counts as income for Medicaid eligibility?
Income counted for Medicaid (MAGI rules):
✅ Counted: Wages, salary, tips, self-employment income, unemployment benefits, Social Security benefits, retirement income, interest/dividends, rental income
❌ Not counted: SNAP benefits, WIC, child support received, SSI benefits, veterans’ disability compensation, most need-based assistance
How to Apply for Medicaid in 2025
Online Applications
- Healthcare.gov: Available in all states
- State Medicaid websites: Often faster processing
- In-person: Local Medicaid offices
Required Documents
- Social Security cards
- Income verification (pay stubs, tax returns)
- Citizenship/immigration documents
- Bank statements (for some programs)
Application Timeline
- Emergency Medicaid: Same day
- Regular applications: 45-90 days
- Expedited processing: 7-30 days (pregnancy, disability)
Key Takeaways
- Medicaid eligibility depends on where you live and your household income.
- Most expansion states cover adults up to 138% FPL.
- Each state has its own income chart and application process.
- Use the links above to check your state-specific income chart for 2025.
Data sources: U.S. Department of Health and Human Services, Office of the Assistant Secretary for Planning and Evaluation (ASPE) 2025 Poverty Guidelines; Kaiser Family Foundation State Health Facts; CMS.gov official program information.