Texas Medicaid Eligibility Calculator

Instantly estimate your potential eligibility for Texas health coverage based on 2025 income limits. This tool is for informational purposes only.

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How to Use This Calculator
  1. Household Size: Enter the total number of people in your tax household, including yourself.
  2. Monthly Income: Enter your total household income before any taxes or deductions are taken out.
  3. Applicant Category: Select the group that best describes the person applying for Medicaid.
  4. Assets: If the "Countable Assets" field appears, enter the value of assets like cash and bank accounts. Do not include your primary home or one vehicle.

Your results will update instantly on the right.

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Disclaimer: This calculator is an informational tool for estimation purposes only. It does not guarantee eligibility. The final determination is made by the Texas Health and Human Services Commission (HHSC).

Texas Medicaid FAQ 2025

What are the income and asset limits for Texas Medicaid in 2025?

For nursing home care Medicaid in Texas, a single person’s income must be below $2,901 per month, and assets must be under $2,000. Married couples have higher limits, with combined income under $5,802 and assets under $3,000. Different Medicaid programs have varied limits, and some let you keep more income, depending on where you live. Home value limits apply if you or your spouse live in the home.

What groups can get Medicaid in Texas?

Texas Medicaid helps children, pregnant women, seniors, people with disabilities, and parents with children. Adults without kids usually cannot get Medicaid because Texas has not expanded eligibility. Each group has different income rules and must meet medical or age requirements.

What medical needs qualify for long-term care Medicaid?

To get long-term care help, you need a medical need level called Nursing Facility Level of Care (NFLOC). This means you need help with daily tasks or nursing home care. Some programs pay for home-based care if you qualify, which can keep you living outside a nursing home.

How does the Medicaid application work in Texas?

You can apply online, by phone, mail, or in person at Texas Health and Human Services offices. After you apply, you pick a health plan from options sent to you. Help is available to guide you through every step.

What happens if my income is over the limit for Medicaid?

If your income is too high, you might use a special trust called a Qualified Income Trust (QIT) to become eligible. You can also spend down assets by paying for allowed expenses like home care or medical bills. Legal help can guide you through these steps safely.

How does Medicaid protect your home in Texas?

Your main home usually does not count toward asset limits if you or your spouse live there. Texas puts a limit on home equity at $730,000 in 2025. After you pass away, Texas may try to recover Medicaid costs from the estate, including the home, unless you plan to protect it.

What non-financial rules apply for Texas Medicaid?

You must live in Texas, be a U.S. citizen (or qualified immigrant), and meet age or pregnancy status rules. Medicaid also checks if you have a medical need or disability when required. Each group has different rules beyond income.

How long does Medicaid coverage last and when does it renew?

Medicaid lasts 12 months before renewal. Texas sends a notice to renew your application. You keep coverage by responding online, by mail, or by phone before the deadline. Missing renewal can end your benefits until you reapply.
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