Quick Answer: Colorado Medicaid (called Health First Colorado) income limits for 2025 are generous — a single adult can earn $1,735/month and a family of four can earn $3,564/month and still qualify.
Pregnant women and children have even higher income thresholds, and there are no asset limits for most people.
See how Colorado compares in our state-by-state Medicaid eligibility chart for 2025.
Page Contents
- 1 Which Colorado Medicaid Program Am I Eligible For?
- 2 2025 Colorado Medicaid Income Limits – Quick Reference
- 3 Do I Qualify? 30-Second Check
- 4 Key Facts About Colorado Medicaid 2025
- 5 Children Don’t Qualify for Medicaid? Try CHP+
- 6 Traditional Medicaid (Age 65+, Blind, Disabled)
- 7 What Income Counts?
- 8 How to Apply – 3 Easy Ways
- 9 Documents You Need
- 10 When Do I Get Coverage?
- 11 Keeping Your Colorado Medicaid
- 12 Get Free Help Applying
- 13 Special Situations
- 14 Common Questions Answered
- 15 Why These Numbers Matter
- 16 2025 Important Dates
- 17 Ready to Apply?
Which Colorado Medicaid Program Am I Eligible For?
Answer: Simple 3-question flowchart
- Are you pregnant? → Use Pregnant Women limits (highest income allowed)
- Do you have children under 19? → Use Adult or Children limits
- Are you 65+, blind, or disabled? → Use Traditional Medicaid limits (has asset limits)
- Everyone else 19-64 → Use Adult limits
2025 Colorado Medicaid Income Limits – Quick Reference
Adults 19-64 (Health First Colorado)
Most common – No asset limits
| People in Home | Monthly Income Limit |
|---|---|
| 1 | $1,735 |
| 2 | $2,345 |
| 3 | $2,954 |
| 4 | $3,564 |
| 5 | $4,173 |
| 6 | $4,783 |
Pregnant Women (Highest Limits)
No asset limits – Coverage for mom and baby
| People in Home | Monthly Income Limit |
|---|---|
| 1 | $2,544 |
| 2 | $3,437 |
| 3 | $4,331 |
| 4 | $5,225 |
| 5 | $6,119 |
| 6 | $7,012 |
Children 0-18 Years Old
No asset limits – Kids get priority
| People in Home | Monthly Income Limit |
|---|---|
| 1 | $1,852 |
| 2 | $2,503 |
| 3 | $3,154 |
| 4 | $3,805 |
| 5 | $4,456 |
| 6 | $5,107 |
Parents with Children (Lower Limits)
No asset limits but harder to qualify
| People in Home | Monthly Income Limit |
|---|---|
| 1 | $887 |
| 2 | $1,199 |
| 3 | $1,511 |
| 4 | $1,822 |
Do I Qualify? 30-Second Check
Answer: Check your gross monthly income (before taxes)
- ✅ Single person: Earn less than $1,735/month
- ✅ Couple: Earn less than $2,345/month
- ✅ Family of 4: Earn less than $3,564/month
- ✅ Pregnant (family of 4): Earn less than $5,225/month
Good news: No savings/asset limits for Health First Colorado!
Key Facts About Colorado Medicaid 2025
Answer: What makes Colorado different
- Official name: Health First Colorado (it’s still Medicaid)
- No asset limits: Keep your savings, car, home
- Expanded coverage: Colorado covers more people than many states
- Free to apply: No application fees ever
- Year-round enrollment: Apply anytime, not just during open enrollment
Children Don’t Qualify for Medicaid? Try CHP+
Answer: Colorado’s CHIP program has even higher income limits
If your child doesn’t qualify for Medicaid, they might qualify for Child Health Plan Plus (CHP+):
| People in Home | Monthly CHP+ Limit |
|---|---|
| 2 | $4,668 |
| 3 | $5,883 |
| 4 | $7,098 |
| 5 | $8,313 |
CHP+ benefits: No deductibles, no premiums, no copays for most services
Traditional Medicaid (Age 65+, Blind, Disabled)
Answer: Different rules with asset limits
- Monthly income limit: Up to $2,901/month for nursing home care
- Asset limit: $2,000 individual, $3,000 married couple
- What doesn’t count: Home, one car, household items, wedding rings
What Income Counts?
Answer: Almost everything counts except these exceptions
Counts toward limit:
- Job wages and tips
- Unemployment benefits
- Social Security (not SSI)
- Self-employment income
- Child support received
- Pensions and retirement
Doesn’t count:
- SSI payments
- Food stamps (SNAP)
- Housing assistance
- Child care help
- Energy bill assistance
- Up to $15,000 earned income if you’re a tax dependent
How to Apply – 3 Easy Ways
Answer: Online is fastest, phone works too
Option 1: Online (Recommended)
- Go to colorado.gov/peak
- Create free account
- Fill out application (20-30 minutes)
- Upload documents with phone camera
- Submit and get confirmation number
Option 2: Phone
Call 1-800-221-3943 (free call)
- Available Monday-Friday 8am-5pm
- Spanish available
- They’ll help fill out application over phone
Option 3: In Person
Find your local county office at colorado.gov/hcpf
Documents You Need
Answer: Gather these before applying
Required for everyone:
- Social Security cards
- Colorado address proof (utility bill, lease)
- Income proof (2 recent pay stubs)
If working:
- Pay stubs from last 2 months
- Letter from employer if hours vary
If not working:
- Unemployment statement
- Social Security award letter
- Bank statements
When Do I Get Coverage?
Answer: Usually within 45 days, sometimes immediate
- Standard approval: 45 days or less
- Emergency coverage: Same day for qualifying emergencies
- Pregnant women: Often get temporary coverage immediately
- Coverage starts: First day of the month you applied
Pro tip: Apply early in the month to get coverage that same month
Keeping Your Colorado Medicaid
Answer: Renew once per year
- Renewal notice: Comes 60 days before expiration
- How to renew: Through PEAK website or by phone
- Often automatic: Colorado renews automatically if they can verify your info
- Report changes: Income changes within 10 days
Get Free Help Applying
Answer: Assistance available everywhere in Colorado
Phone help: 1-800-221-3943
In-person help:
- County human services offices
- Community health centers
- Local hospitals (ask for financial counselor)
- Library computers with internet access
Online help: healthfirstcolorado.com
Special Situations
Pregnant and Undocumented
Answer: Yes, you can qualify As of 2025, undocumented pregnant women can get Health First Colorado if they meet income limits.
College Students
Answer: Usually qualify if income is low Students qualify if they meet income limits and aren’t claimed as dependents by high-income parents.
Working but Low Income
Answer: You can still qualify Colorado expanded Medicaid specifically to help working people who don’t get insurance through their job.
Common Questions Answered
Why These Numbers Matter
Answer: Colorado covers more people than most states
Colorado chose to expand Medicaid under the Affordable Care Act, meaning:
- Higher income limits than non-expansion states
- Coverage for adults without children
- No work requirements
- Full medical, dental, and vision benefits
2025 Important Dates
Answer: When limits change
- Current limits valid: April 1, 2025 through March 31, 2026
- Next increase: April 1, 2026 (limits go up every year)
- Tax filing thresholds: $15,000 earned/$1,350 unearned (Jan 1 – Dec 31, 2025)
Ready to Apply?
Start now: Visit colorado.gov/peak or call 1-800-221-3943
Need the limits again? Single person $1,735/month, couple $2,345/month, family of 4 $3,564/month
All income limits verified from Colorado Department of Health Care Policy and Financing, effective April 2025
