In Florida, Medicaid income limits for 2025 vary by household size and coverage group. Children, pregnant women, parents/caretaker relatives, and adults needing long-term care have different thresholds.
Long-term care (nursing home or home and community-based services) uses a separate income cap of $2,901/month. Below are the latest 2025 limits and guidance for eligibility.
Page Contents
- 1 Florida Medicaid Monthly Income Limits (2025)
- 2 Long-Term Care (Nursing Home / HCBS)
- 3 Medically Needy (“Share of Cost”)
- 4 How Florida Calculates MAGI Medicaid
- 5 Quick Eligibility Examples (2025)
- 6 How to Apply in Florida
- 7 Frequently Asked Questions
- 7.1 Do childless adults qualify for Florida Medicaid in 2025?
- 7.2 How is household size calculated for pregnant women?
- 7.3 What is the income cap for long-term care Medicaid in Florida?
- 7.4 What happens if my child’s income exceeds Medicaid limits?
- 7.5 How does the Medically Needy program work?
- 7.6 Where can I apply for Florida Medicaid in 2025?
- 7.7 Final Thoughts
- 7.8 Sources
Florida Medicaid Monthly Income Limits (2025)
Children & Parents/Caretakers
Use the table for your household size and coverage group. Children are grouped by age, and parents/caretaker relatives have very low limits.
| Household Size | <1 Year | Ages 1–5 | Ages 6–18 | Parents/Caretakers (19–20) |
|---|---|---|---|---|
| 1 | $2,754 | $1,893 | $1,801 | $355 |
| 2 | $3,720 | $2,558 | $2,434 | $476 |
| 3 | $4,688 | $3,222 | $3,066 | $598 |
| 4 | $5,654 | $3,886 | $3,698 | $719 |
| 5 | $6,621 | $4,550 | $4,330 | $841 |
| 6 | $7,588 | $5,215 | $4,963 | $963 |
| 7 | $8,556 | $5,880 | $5,596 | $1,085 |
| 8 | $9,522 | $6,544 | $6,228 | $1,207 |
| 9 | $10,490 | $7,209 | $6,861 | $1,328 |
| 10 | $11,457 | $7,874 | $7,493 | $1,451 |
Tip: If your child is above the Medicaid limit, Florida KidCare (CHIP) may provide coverage up to 300% of the federal poverty level (FPL) with income-based premiums.
Pregnant Women
Family size for pregnancy includes the unborn child.
| Household Size | Monthly Income Limit |
|---|---|
| 1 | $2,588 |
| 2 | $3,456 |
| 3 | $4,355 |
| 4 | $5,252 |
| 5 | $6,151 |
| 6 | $7,049 |
| 7 | $7,948 |
| 8 | $8,846 |
| 9 | $9,745 |
| 10 | $10,642 |
Long-Term Care (Nursing Home / HCBS)
For adults needing nursing home or home and community-based services:
- Income cap: $2,901/month (300% of 2025 SSI).
- Assets: Typically $2,000 for single applicants; exemptions apply for primary home, certain vehicles, and spousal protections.
- Spousal allowances & lookback: Florida applies federal rules, including a 60-month lookback on asset transfers.
- Qualified Income Trust: For those above the income cap, a Miller Trust may preserve eligibility.
Some individuals earn too much for full Medicaid but have high medical bills. Medically Needy allows coverage after spending down to the state’s limit:
- Single: ~ $180/month
- Couple: ~ $241/month
Your share of cost = income – Medically Needy Income Limit. Once you meet the spend-down each month, Medicaid pays the remaining medical bills.
How Florida Calculates MAGI Medicaid
- MAGI (Modified Adjusted Gross Income): Used for children, pregnant women, and parents/caretaker relatives.
- Family size & tax household: Count the unborn child for pregnancy.
- 5% MAGI disregard: Helps borderline cases but doesn’t apply to Medically Needy.
- Renewals: Keep income and documentation updated for smooth eligibility.
Quick Eligibility Examples (2025)
- Family of 3, child age 4: Monthly income ≤ $3,222 → child qualifies.
- Family of 3, pregnant (counts as 4): Monthly income ≤ $5,252 → pregnant member qualifies.
- Single adult needing nursing home care: Gross income ≤ $2,901 or use a Qualified Income Trust.
How to Apply in Florida
- Gather proof of identity, residency, income (pay stubs/tax returns), pregnancy (if applicable), and medical need (for LTC).
- Apply online via ACCESS Florida (DCF).
- For LTC, ask about Home & Community-Based Waivers and Qualified Income Trust options.
Frequently Asked Questions
Do childless adults qualify for Florida Medicaid in 2025?
No. Medicaid in Florida primarily covers pregnant women, parents/caretaker relatives, children, and aged/blind/disabled individuals. Childless adults are generally not eligible.
How is household size calculated for pregnant women?
Florida counts the unborn child in the family size. For example, a single pregnant woman counts as a household of two for eligibility.
What is the income cap for long-term care Medicaid in Florida?
The cap is $2,901/month in 2025. Applicants above this amount may use a Qualified Income Trust (Miller Trust) to qualify.
What happens if my child’s income exceeds Medicaid limits?
Florida KidCare (CHIP) may cover children with incomes above Medicaid limits, with premium tiers based on household income.
How does the Medically Needy program work?
Individuals with high medical expenses but income over Medicaid limits may qualify after a monthly “spend-down” to the state’s Medically Needy Income Limit.
Where can I apply for Florida Medicaid in 2025?
Apply online via ACCESS Florida or through local DCF offices. Prepare income, residency, and medical documents for faster approval.
Final Thoughts
Understanding Florida Medicaid income limits is essential to make sure you or your loved ones get the coverage you need. By keeping track of household size, income thresholds, and eligibility rules, you can avoid missed opportunities for support. Remember, if your income slightly exceeds the limits, programs like Florida KidCare (CHIP) or Qualified Income Trusts for long-term care can still help. Stay informed and apply early to ensure uninterrupted healthcare coverage.
Sources
- Florida Department of Children and Families (DCF) — Determining Your Income Limit, Effective April 2025
- Florida DCF — Appendix A-7 Family-Related Medicaid Income Limits, 2025
- SSA — 2025 SSI Federal Benefit Rate
- Florida KidCare — 2025 income guidelines
