The Illinois Medicaid Income Limits 2025 determine who qualifies for free or low-cost healthcare coverage in the state. Eligibility is based on household size, income, and program category (adults, children, pregnant women, elderly, or disabled).
👉 To quickly estimate eligibility, use our Illinois Medicaid Eligibility Calculator 2025
For most applicants, Illinois uses MAGI-based rules tied to the Federal Poverty Level (FPL).
- Adults (19–64 years): Eligible if income ≤ 138% FPL.
- Pregnant women: Eligible up to 213% FPL under the Moms & Babies program.
- Children (All Kids/CHIP): Covered up to 318% FPL depending on age and category.
- Elderly & disabled (non-MAGI): Different income/resource rules apply.
👉 Want to compare all states? See our full guide: Medicaid Income Limits 2025 by State
Page Contents
Illinois Medicaid Income Limits 2025 Table
Below are the 2025 dollar amounts derived from the 2025 Federal Poverty Level for the 48 contiguous states, and the program percentages Illinois uses (138% / 213% / 318%).
Monthly amounts are rounded to the nearest dollar for clarity.
| Household size | 2025 FPL (annual) | Adults — 138% (annual / monthly) | Pregnant women — 213% (annual / monthly) | Children (All Kids) — 318% (annual / monthly) |
|---|---|---|---|---|
| 1 | $15,650 | $21,597 / $1,800 | $33,335 / $2,778 | $49,767 / $4,147 |
| 2 | $21,150 | $29,187 / $2,432 | $45,050 / $3,754 | $67,257 / $5,605 |
| 3 | $26,650 | $36,777 / $3,065 | $56,765 / $4,730 | $84,747 / $7,062 |
| 4 | $32,150 | $44,367 / $3,697 | $68,480 / $5,707 | $102,237 / $8,520 |
(Calculated from the 2025 FPL: individual = $15,650; family of 2 = $21,150; family of 3 = $26,650; family of 4 = $32,150. Monthly = annual ÷ 12. Figures rounded for clarity.)
How to read this table: If a single adult’s MAGI is at or below $21,597 per year (≈ $1,800/month), they meet the income threshold tied to the 138% FPL adult eligibility rule.
Program notes & special categories
Adults (19–64) — Medicaid expansion
- Illinois follows the ACA expansion standard: up to 138% of FPL for expansion adults (MAGI-based). This is the rule used for most non-elderly adults without dependent children.
Pregnant women — Moms & Babies
- Moms & Babies program uses 213% of FPL for eligibility; coverage includes prenatal care and postpartum services. Babies born to enrolled mothers may have extended coverage.
Children — All Kids / CHIP
- Illinois’ All Kids / FamilyCare standards allow children to qualify at higher MAGI percentages (program rules vary by child age and family size; upper thresholds for some child categories reach about 318% of FPL).
Seniors & people with disabilities (non-MAGI rules)
- Income/resource limits apply (nursing home, waiver programs, HBWD).
- Includes asset tests, home equity limits, and spousal impoverishment rules.
- Spend-down programs may allow coverage if income exceeds limits.
How to Apply for Illinois Medicaid
- Check eligibility using the income table above.
- Apply online via the ABE Illinois portal.
- In-person or phone: Contact your local DHS office.
- Have documents ready: ID, proof of income, Social Security numbers, residency proof, pregnancy verification (if applicable).
- If over income: Check for All Kids/CHIP or Marketplace health plans with subsidies.
FAQs
Q1. What is the income limit for a single adult in Illinois Medicaid 2025?
A single adult qualifies if income is ≤ $21,597 annually ($1,800/month).
Q2. How much can a family of 4 earn to qualify for Medicaid in Illinois?
For adults, income must be ≤ $44,367 annually ($3,697/month). Higher limits apply for pregnant women and children.
Q3. Do assets count for Medicaid eligibility in Illinois?
For MAGI programs (adults, kids, pregnant women): No asset test.
For non-MAGI programs (seniors, disabled, long-term care): Yes, assets matter.
Q4. Can children still qualify if parents’ income is too high?
Yes — children may qualify under All Kids/CHIP up to 318% of FPL, even if parents do not qualify.
Conclusion
The Illinois Medicaid Income Limits 2025 provide coverage pathways for low-income adults, pregnant women, children, seniors, and disabled individuals. Adults qualify at 138% FPL, pregnant women at 213% FPL, and children at 318% FPL. Elderly and disabled residents follow separate income and resource rules.
👉 For a full comparison across all states, check our guide: Medicaid Income Limits 2025 by State
