Quick Answer: Indiana Medicaid income limits for 2025 range from $1,304/month for disabled individuals to $8,000/month for families with children.
Most adults qualify with income up to $1,800/month (single) or $3,698/month (family of 4).
For a full comparison of limits in other states, check out our Medicaid Income Limits by State 2025 guide.
Page Contents
- 1 2025 Indiana Medicaid Income Limits (Monthly)
- 2 Do I Qualify? Quick Check
- 3 How to Apply for Indiana Medicaid
- 4 What Income Counts?
- 5 When Do I Get Coverage?
- 6 Asset Limits – What You Can Own
- 7 Medicaid Renewal – Keeping Your Coverage
- 8 Get Help Applying
- 9 Frequently Asked Questions
- 9.1 1. What is the income limit for Indiana Medicaid for adults in 2025?
- 9.2 2. How much can a pregnant woman earn to qualify for Indiana Medicaid?
- 9.3 3. Do children have higher income limits?
- 9.4 4. Is there an asset test for Medicaid in Indiana?
- 9.5 5. How often do Medicaid income limits change in Indiana?
- 9.6 6. Can I get Medicaid if I have private insurance?
- 10 Key Dates for 2025
- 11 Final Takeaway
2025 Indiana Medicaid Income Limits (Monthly)
Adults 19-64 (Healthy Indiana Plan – HIP)
Answer: Income limits for working adults
| People in Home | Monthly Income Limit |
|---|---|
| 1 | $1,800.25 |
| 2 | $2,433.15 |
| 3 | $3,065.05 |
| 4 | $3,698.00 |
| 5 | $4,329.90 |
Who qualifies: Working adults, unemployed adults, students aged 19-64
Pregnant Women (Hoosier Healthwise)
Answer: Higher income limits for expectant mothers
| People in Home | Monthly Income Limit |
|---|---|
| 2 | $3,754.15 |
| 3 | $4,731.05 |
| 4 | $5,707.00 |
| 5 | $6,682.90 |
Note: Pregnant women count as 2 people in household size
Children Under 19 (Hoosier Healthwise)
Answer: Highest income limits for kids
| People in Home | Monthly Income Limit |
|---|---|
| 1 | $3,326.25 |
| 2 | $4,495.15 |
| 3 | $5,664.05 |
| 4 | $6,832.00 |
| 5 | $8,000.90 |
Who qualifies: All children under 19, regardless of disability status
Seniors and Disabled Adults (Traditional Medicaid)
Answer: Lower income limits but includes asset protection
| People in Home | Monthly Income Limit |
|---|---|
| 1 | $1,304.17 |
| 2 | $1,762.50 |
| 3 | $2,220.83 |
| 4 | $2,679.17 |
| 5 | $3,137.50 |
Special case: Nursing home residents can have income up to $2,901/month
Asset limits: $2,000 (single), $3,000 (married couple)
Do I Qualify? Quick Check
Answer: Use gross monthly income before taxes
✅ You likely qualify if:
- Single adult earning under $1,800/month
- Family of 4 earning under $3,698/month
- Pregnant and earning under $5,707/month (family of 4)
- Child’s family earns under $6,832/month (family of 4)
- Age 65+ or disabled earning under $1,304/month (single)
How to Apply for Indiana Medicaid
Answer: Apply online in 15-20 minutes
Fastest Way: Online
- Go to portal.indianamedicaid.com
- Create account or log in
- Fill out application (15-20 minutes)
- Upload documents
- Submit
What You Need:
- Social Security numbers for everyone
- Pay stubs (last 2 months)
- Bank statements
- ID (driver’s license or state ID)
Processing Time:
- Regular applications: 45 days
- Disability applications: 90 days
- Emergency cases: 1-3 days
What Income Counts?
Answer: Almost all income counts except specific exceptions
Counts as income:
- Job wages, tips, self-employment
- Unemployment benefits
- Social Security (except SSI)
- Child support, alimony
- Pensions, retirement funds
Doesn’t count:
- SSI payments
- Food stamps
- Housing assistance
- Child care help
- Energy bill assistance
When Do I Get Coverage?
Answer: Coverage can start immediately or within 45 days
- Approved today: Coverage starts first day of application month
- Pregnant women: Often get immediate temporary coverage
- Children: May qualify for immediate coverage
- Emergency situations: Same-day approval possible
Asset Limits – What You Can Own
Answer: Most programs have no asset limits
No asset limits:
- Healthy Indiana Plan (HIP)
- Hoosier Healthwise (pregnant women, children)
Has asset limits:
- Traditional Medicaid: $2,000 (single), $3,000 (couple)
- Nursing home Medicaid: Same limits
What doesn’t count toward limits:
- Your home
- One car
- Household items
- Wedding rings
- Burial funds up to $1,500
Medicaid Renewal – Keeping Your Coverage
Answer: Renew once per year, often automatic
- When: Once every 12 months
- Notice: You get 60 days advance warning
- Process: Often automatic if no changes
- Action needed: Only if Indiana can’t verify your info
Get Help Applying
Answer: Free help is available everywhere
Phone: 1-800-403-0864 (Indiana Medicaid)
In-person help:
- Local health departments
- Community health centers
- Family and Social Services offices
Online: 211 (dial 2-1-1 for local resources)
Frequently Asked Questions
1. What is the income limit for Indiana Medicaid for adults in 2025?
Most adults (19–64) qualify if they earn $1,800.25/month or less for a single-person household.
2. How much can a pregnant woman earn to qualify for Indiana Medicaid?
A pregnant woman in a household of two can qualify with income up to $3,754.15/month.
3. Do children have higher income limits?
Yes, children can qualify at much higher income levels—up to $8,000.90/month for a household of five.
4. Is there an asset test for Medicaid in Indiana?
Only seniors, disabled individuals, and institutional/waiver program applicants must meet $2,000 (single) or $3,000 (married) asset limits.
5. How often do Medicaid income limits change in Indiana?
They’re updated annually to reflect changes in the federal poverty guidelines.
6. Can I get Medicaid if I have private insurance?
Yes, if your income meets program criteria, Medicaid may cover costs your private plan doesn’t.
Key Dates for 2025
Answer: These limits are current until February 2026
- Effective: March 1, 2025
- Valid through: Late February 2026
- Next update: Spring 2026
Final Takeaway
The Indiana Medicaid income limits for 2025 are now confirmed and effective statewide. Whether you’re applying for HIP, Hoosier Healthwise, or long-term care coverage, these charts give you clear, verified income and asset thresholds. If your household income is within the limits, you should apply through the Indiana FSSA to get the health coverage you need.
Need help now? Call 1-800-403-0864 or visit portal.indianamedicaid.com to apply today.
Income limits verified from official Indiana Medicaid sources. Always check current requirements before applying.
