If you live in Michigan and want to know how much you can earn to qualify for Medicaid in 2025, here’s the simple answer:
- Adults (19–64 years) qualify under the Healthy Michigan Plan if their income is up to about $1,800 per month or $21,600 per year for a household of one.
- Pregnant women can qualify with income up to 200% of the federal poverty level—that’s roughly $2,600 a month for one person.
- Children under 18 may qualify under MIChild if income is up to 217% of the poverty level—about $2,830 monthly for one child.
- Aged, blind, or disabled adults qualify if their income is up to around $1,304 per month.
Check the table below for more details on household size.
Page Contents
- 1 Michigan Medicaid Income Limits Table 2025
- 2 📝 How to Apply for Michigan Medicaid in 2025
- 3 💰 Michigan Medicaid Asset Limits 2025
- 4 Frequently Asked Questions
- 4.1 1. What if my income is slightly above these limits?
- 4.2 2. Do I need to pay anything for Healthy Michigan?
- 4.3 3. How do household size and income affect eligibility?
- 4.4 4. Does the 5% income disregard apply here?
- 4.5 5. Are there asset tests for these programs?
- 4.6 6. How can I apply or check my eligibility?
- 5 Conclusion
Michigan Medicaid Income Limits Table 2025
| Program / Group | % of Federal Poverty Level (FPL) | Household Size | Monthly Limit* | Annual Limit* |
|---|---|---|---|---|
| Healthy Michigan Plan (Adults 19–64) | 138 % | 1 | $1,800 | $21,600 |
| Healthy Michigan Plan (Adults) | 138 % | 4 | $3,697 | $44,400 |
| Pregnant Women (MOMS) | 200 % | 1 | $2,608 | $31,300 |
| Pregnant Women | 200 % | 4 | $5,358 | $64,300 |
| Children (MIChild – under 18) | 217 % | 1 | $2,830 | $32,700 |
| Children | 217 % | 4 | $5,813 | $67,700 |
| Aged/Disabled (Regular Medicaid) | 100 % | 1 | $1,304 | $15,650 |
*Monthly and annual amounts are rounded to whole dollars for clarity.
* All limits are based on 2025 FPL guidelines and Michigan policy.
What These Numbers Mean
- Healthy Michigan Plan covers most non-pregnant adults aged 19–64 with income up to 138% of FPL (~$1,800/mo for one person) — great for low-income working adults.
- Pregnant women can qualify with higher income (up to 200% FPL) and coverage continues for 12 months postpartum—this provides essential support during and after pregnancy.
- Children under 18 qualify under the MIChild program with income thresholds up to 217% FPL—this ensures broader access for families.
- Aged, blind, or disabled adults have their own threshold at 100% FPL (~$1,304/mo) and must also meet asset limits.
📝 How to Apply for Michigan Medicaid in 2025
Applying for Medicaid in Michigan is simple and can be done in a few different ways:
Online through MiBridges:
Visit MiBridges to create an account, check your eligibility, and apply online.
- By Phone:
Call the Michigan Department of Health and Human Services (MDHHS) help line for assistance with your application. - In Person:
Visit your local MDHHS office to apply with the help of a caseworker. Bring identification, proof of income, and proof of residency. - By Mail or Fax:
You can download a Medicaid application form from MDHHS’s website, fill it out, and send it by mail or fax.
💰 Michigan Medicaid Asset Limits 2025
Some Medicaid programs in Michigan also consider assets (resources), especially for aged, blind, or disabled applicants.
| Applicant Type | Asset Limit (Individual) | Asset Limit (Married Couple) | Notes |
|---|---|---|---|
| Healthy Michigan Plan, Pregnant Women, Children | No asset test | No asset test | Only income is considered. |
| Aged, Blind, Disabled Adults | $2,000 | $3,000 | Includes cash, savings, and certain investments. |
| Medicaid for Long-Term Care (Nursing Home or Waiver) | $2,000 | $3,000 | Home, one vehicle, and personal items are usually exempt. |
- Exempt Assets: Your home, one car, clothing, household goods, and personal items usually don’t count toward your asset limit.
- Medicaid Planning: If you’re applying for long-term care Medicaid, Michigan allows spousal impoverishment protections so one spouse can keep a larger share of assets.
Frequently Asked Questions
1. What if my income is slightly above these limits?
Even if your income is a bit higher, you may still qualify for certain Medicaid paths—like medically needy options where medical bills reduce your countable income.
2. Do I need to pay anything for Healthy Michigan?
Michigan previously required small premiums for some income brackets; many of these fees have been phased out. Check current MDHHS rules to be sure.
3. How do household size and income affect eligibility?
Bigger households have higher income limits. Every additional person typically adds around $600–$1,000 per month depending on the program.
4. Does the 5% income disregard apply here?
Yes, Medicaid eligibility uses a 5% “disregard,” meaning you can earn slightly more than the listed FPL limit and may still qualify under Healthy Michigan.
5. Are there asset tests for these programs?
Healthy Michigan, pregnant women, and children typically have no asset limits. But aged, blind, or disabled applicants may face asset limits depending on program type.
6. How can I apply or check my eligibility?
You can apply or check eligibility online via MiBridges, or contact your local MDHHS office. Using a Medicaid calculator for Michigan can also help.
Conclusion
Michigan Medicaid makes healthcare coverage more accessible for families, pregnant women, kids, and adults with limited income. The 2025 guidelines raise income thresholds slightly, meaning more Michigan residents can qualify than before.
If you’re unsure whether your family qualifies, don’t guess—use Michigan Medicaid Calculator 2025 for instant eligibility checks. It’s a simple tool that compares your income and household size against the latest limits.
