For 2025, Arkansas Medicaid uses the 2025 Federal Poverty Guidelines (FPL). Most non-elderly adults qualify through ARHOME (Medicaid expansion) at ≤138% FPL. Pregnant women qualify up to 214% FPL.
Children qualify through ARKids: ARKids A up to 147% FPL (full Medicaid) and ARKids B up to 211% FPL (CHIP). A standard 5% MAGI disregard may help households slightly over the limit qualify.
Page Contents
- 1 Who qualifies & income rules (2025)
- 2 2025 Arkansas Medicaid Income Limits (by household size)
- 3 How to calculate your eligibility (step-by-step)
- 4 What’s covered
- 5 How to apply (fastest options)
- 6 Renewals & redeterminations
- 7 Special notes (Aged/Blind/Disabled, LTC, Waivers)
- 8 Common mistakes to avoid
- 9 FAQs
- 9.1 What are the Arkansas Medicaid income limits for adults in 2025?
- 9.2 What is the Arkansas Medicaid income limit for a pregnant woman in 2025?
- 9.3 What is the ARKids income limit in Arkansas for 2025?
- 9.4 Does Arkansas use the 5% disregard?
- 9.5 Do ARKids B members have copays?
- 9.6 How do I apply for Arkansas Medicaid?
Who qualifies & income rules (2025)
- Adults 19–64 (ARHOME): up to 138% FPL based on MAGI.
- Pregnant women: up to 214% FPL (household includes the unborn child). Continuous coverage through the postpartum period per state policy.
- Children (0–18)
- ARKids A (Medicaid): up to 147% FPL.
- ARKids B (CHIP): over 142% and up to 211% FPL; small copays may apply.
- Parents/Caretaker relatives: If income is too high for the legacy parent category, many qualify under ARHOME up to 138% FPL.
- Aged/Blind/Disabled long-term care & waivers: Different financial/resource rules; see notes section below.
Tip: MAGI = your IRS AGI plus non-taxable Social Security, tax-exempt interest, and some foreign income. Many pre-tax deductions (HSA, traditional IRA/401(k)) can lower MAGI.
2025 Arkansas Medicaid Income Limits (by household size)
Use these tables to check at a glance. Values are shown as annual and (monthly) income ceilings. If your income is close, remember the extra 5% disregard can help.
Adults 19–64 (ARHOME) — ≤138% FPL
HH | Annual | Monthly |
---|---|---|
1 | $21,597 | $1,799.75 |
2 | $29,187 | $2,432.25 |
3 | $36,777 | $3,064.75 |
4 | $44,367 | $3,697.25 |
5 | $51,957 | $4,329.75 |
6 | $59,547 | $4,962.25 |
7 | $67,137 | $5,594.75 |
8 | $74,727 | $6,227.25 |
Pregnant Women — ≤214% FPL
HH* | Annual | Monthly |
---|---|---|
1 | $33,491 | $2,790.92 |
2 | $45,261 | $3,771.75 |
3 | $57,031 | $4,752.58 |
4 | $68,801 | $5,733.42 |
5 | $80,571 | $6,714.25 |
6 | $92,341 | $7,695.08 |
7 | $104,111 | $8,675.92 |
8 | $115,881 | $9,656.75 |
*Household size includes the unborn child(ren).
Children (ARKids A) — ≤147% FPL
HH | Annual | Monthly |
---|---|---|
1 | $23,005.50 | $1,917.12 |
2 | $31,090.50 | $2,590.88 |
3 | $39,175.50 | $3,264.62 |
4 | $47,260.50 | $3,938.38 |
5 | $55,345.50 | $4,612.12 |
6 | $63,430.50 | $5,285.88 |
7 | $71,515.50 | $5,959.62 |
8 | $79,600.50 | $6,633.38 |
Children (ARKids B) — >142% up to 211% FPL
HH | Annual | Monthly |
---|---|---|
1 | $33,021.50 | $2,751.79 |
2 | $44,626.50 | $3,718.88 |
3 | $56,231.50 | $4,685.96 |
4 | $67,836.50 | $5,653.04 |
5 | $79,441.50 | $6,620.12 |
6 | $91,046.50 | $7,587.21 |
7 | $102,651.50 | $8,554.29 |
8 | $114,256.50 | $9,521.38 |
How to calculate your eligibility (step-by-step)
- Find your household size (tax unit; include unborn child for pregnancy).
- Estimate MAGI: start with AGI from your most recent tax return or current paystubs → add non-taxable Social Security, tax-exempt interest, and applicable foreign income.
- Compare to your program table (Adults 138%, Pregnant 214%, ARKids A/B).
- Close call? Apply anyway—5% MAGI disregard can bridge small gaps.
Example: A 3-person household expecting a baby (so HH=4 for pregnancy). If MAGI is $5,650/month:
- Pregnant limit (HH=4) = $5,733/month → Eligible for pregnancy Medicaid.
use our free arkansas medicaid calculator 2025 to estimate your eligibility now.
What’s covered
- ARHOME & ARKids cover essential health benefits: primary care, specialists, hospital, labs, prescriptions, mental health, maternity/newborn, preventive care, and more.
- Postpartum coverage: extended coverage after delivery per state policy.
- Dental/vision: covered for children; adult coverage varies by program.
How to apply (fastest options)
- Online: Apply at Access Arkansas (create an account, upload documents).
- Local help: Visit your county DHS office.
- Phone: DHS call center (listed on the Access Arkansas site).
Documents you may need
- ID and proof of Arkansas residency
- SSNs for applicants (if available)
- Proof of income (recent paystubs, award letters)
- Pregnancy verification (for pregnant coverage)
- Immigration documents (if applicable)
Renewals & redeterminations
- Expect annual renewals and periodic checks.
- Keep your address/email/phone updated so you don’t miss notices.
- If you lose coverage for paperwork reasons, submit missing info quickly—you may be reinstated.
Special notes (Aged/Blind/Disabled, LTC, Waivers)
- Long-term care, nursing facilities, and certain waivers use different income and resource rules (e.g., income caps near ~300% of SSI for institutional/LTC pathways, with spousal impoverishment protections). If you need personal care, ALF, or nursing care, ask about ARChoices or other waivers—eligibility is different from MAGI rules above.
Common mistakes to avoid
- Forgetting unborn child(ren) in household size for pregnancy coverage.
- Reporting gross pay instead of MAGI (use the MAGI method).
- Not applying due to “just over” the limit—the 5% disregard may qualify you.
- Missing renewals—watch your mail/portal for notices.
FAQs
What are the Arkansas Medicaid income limits for adults in 2025?
Adults 19–64 qualify through ARHOME at ≤138% FPL (see table by household size above).
What is the Arkansas Medicaid income limit for a pregnant woman in 2025?
Pregnancy Medicaid covers up to 214% FPL, counting the unborn child(ren) in household size.
What is the ARKids income limit in Arkansas for 2025?
ARKids A: up to 147% FPL. ARKids B: over 142% up to 211% FPL.
Does Arkansas use the 5% disregard?
Yes. A 5% MAGI disregard may allow households slightly above the limit to qualify.
Do ARKids B members have copays?
Yes, small copays may apply on ARKids B; ARKids A generally has no copays.
How do I apply for Arkansas Medicaid?
Apply online via Access Arkansas, visit a county DHS office, or call the DHS helpline.