Quick Answer: In 2025, most adults in Maryland qualify for Medicaid if their household income is at or below 138% of the Federal Poverty Level (FPL).
That equals about $1,801/month ($21,612/year) for a single adult and $3,698/month ($44,376/year) for a family of four.
Children and pregnant people can qualify at higher income levels, while seniors and people with disabilities follow separate rules.
Page Contents
Why These Limits Matter
Maryland Medicaid (through Maryland Health Connection) provides free or low-cost health coverage for:
- Doctor visits
- Prescriptions
- Pregnancy and newborn care
- Hospital stays
- Preventive screenings
Understanding the correct monthly and annual income limits helps you know if you or your family can qualify for coverage. Maryland publishes exact dollar cutoffs (not just percentages), so always use these state numbers when you apply.
Maryland Medicaid Income Limits 2025 — Full Table
The table below shows monthly and annual income thresholds for different Medicaid groups in Maryland. These apply when applying through Maryland Health Connection.
| Household Size | Adults (138% FPL) | Children (MCHP – higher FPL) | Pregnant (250% FPL) |
|---|---|---|---|
| 1 | $1,801/mo — $21,612/yr | $4,202/mo — $50,424/yr | — |
| 2 | $2,433/mo — $29,196/yr | $5,677/mo — $68,124/yr | $4,654/mo — $55,848/yr |
| 3 | $3,065/mo — $36,780/yr | $7,152/mo — $85,824/yr | $5,863/mo — $70,356/yr |
| 4 | $3,698/mo — $44,376/yr | $8,630/mo — $103,560/yr | $7,075/mo — $84,900/yr |
| 5 | $4,330/mo — $51,960/yr | $10,104/mo — $121,248/yr | $8,284/mo — $99,408/yr |
| 6 | $4,962/mo — $59,544/yr | $11,579/mo — $138,948/yr | $9,493/mo — $113,916/yr |
| 7 | $5,596/mo — $67,152/yr | $13,057/mo — $156,684/yr | $10,705/mo — $128,460/yr |
| 8 | $6,228/mo — $74,736/yr | $14,532/mo — $174,384/yr | $11,914/mo — $142,968/yr |
| Each extra person | +$632/mo — +$7,584/yr | +$1,475/mo — +$17,700/yr | +$1,209/mo — +$14,508/yr |
✅ Adults: Based on 138% FPL (MAGI rules with 5% disregard applied).
✅ Children (MCHP): Higher thresholds — Maryland Children’s Health Program (MCHP) covers up to 211% FPL, with MCHP Premium up to 322% FPL for higher-income families who pay a small premium.
✅ Pregnant people: Maryland typically uses 250% FPL to expand access to prenatal care.
Special Groups — Aged, Blind, Disabled (ABD)
If you are 65 or older, blind, or disabled, Maryland uses different rules:
- Income limits are lower (often under $400/month for an individual).
- Asset limits apply (bank accounts, savings, property — with some exclusions).
- Spend-down options may be available if your income is slightly over the limit.
👉 For ABD or long-term care Medicaid, contact your county Department of Social Services (DSS) for the most accurate rules.
How to Check and Apply in Maryland
Here’s a simple checklist:
- Estimate your income (MAGI) — include wages, self-employment income, and taxable benefits.
- Compare to the table above — check the correct column (adults, children, pregnant).
- Gather documents — photo ID, pay stubs, Social Security numbers (if available), proof of pregnancy or disability.
- Apply online — Maryland Health Connection is the fastest way.
- Report changes — if your income or household size changes, update your info to keep coverage.
Frequently Asked Questions
1. What is the 2025 monthly income limit for a single adult in Maryland?
The MAGI-based monthly cutoff for a single adult is $1,801 in 2025 (annual $21,612). Use the state monthly figure when applying.
2. Can children qualify if parents earn more?
Yes — Maryland’s children’s coverage thresholds are higher than adult limits, so children may qualify even when parents do not.
3. Do pregnant people get special treatment?
Yes — pregnancy-related eligibility has its own higher cutoffs to make prenatal care accessible. Check the pregnant column in the table above.
4. What if I’m 65 or disabled?
Seniors and people who are blind or disabled face different income and asset tests; contact county DSS for ABD programs and spend-down options.
5. Where do these numbers come from?
Maryland publishes these monthly income limits for 2025 on the Department of Health / Maryland Health Connection pages — they are the official figures to use.
6. How do I apply?
Apply online at Maryland Health Connection or get help from your county Department of Social Services. Use your pay stubs to estimate MAGI before you start.
Simple Scenarios
- Single adult earning $1,650/month → Eligible (below $1,801 cutoff).
- Family of 4 earning $4,500/month → Adults may not qualify, but children likely qualify under MCHP.
- Pregnant person in 2-person household earning $4,600/month → Just below the $4,654 cutoff, so likely eligible.
Conclusion & Next Steps
Maryland Medicaid provides broad access to affordable care in 2025, with income limits tailored to different groups (adults, children, pregnant people, seniors, and disabled individuals). If your income is close to the cutoffs, don’t wait — apply today.
👉 Try the Maryland Medicaid calculator for a quick check, or visit the Medicaid income limits by state 2025 guide to see how Maryland compares nationwide.
