Quick Answer
In 2025, North Carolina Medicaid covers adults earning up to $1,800/month, a family of 4 up to $3,698/month, children up to $5,645/month, and pregnant women up to $6,150/month.
Elderly applicants must also meet asset limits ($2,000 single / $3,000 couple).
North Carolina Medicaid Income Eligibility Chart 2025
The tables below show the monthly and annual income cutoffs by household size and category.
Adults (Age 19–64, Expansion Group – 138% FPL)
| Family Size | Monthly Income Limit | Annual Income Limit |
|---|---|---|
| 1 | $1,800 | $21,600 |
| 2 | $2,433 | $29,196 |
| 3 | $3,065 | $36,780 |
| 4 | $3,698 | $44,376 |
| 5 | $4,340 | $52,080 |
| 6 | $4,973 | $59,676 |
Children (0–18, typically up to 211% FPL)
| Family Size | Monthly Income Limit | Annual Income Limit |
|---|---|---|
| 1 | $2,752 | $33,024 |
| 2 | $3,719 | $44,628 |
| 3 | $4,686 | $56,232 |
| 4 | $5,645 | $67,740 |
| 5 | $6,621 | $79,452 |
Pregnant Women (Up to 196% FPL, counted as 2 members)
| Family Size (including unborn) | Monthly Income Limit | Annual Income Limit |
|---|---|---|
| 2 | $4,353 | $52,236 |
| 3 | $5,252 | $63,024 |
| 4 | $6,150 | $73,800 |
| 5 | $7,048 | $84,576 |
Elderly, Blind, and Disabled (ABD) Medicaid – Income & Asset Rules
- Income test: $1,255/month for an individual; $1,704/month for a couple (2025).
- Asset limits: $2,000 for an individual, $3,000 for a couple.
- Nursing Home / Long-Term Care Medicaid: same income rule, with asset protections for a community spouse (between $31,584 and $157,920 in 2025).
How to Read These Numbers
- Household size = the number of people included in your tax household (including unborn children for pregnant applicants).
- Monthly income is gross income before taxes. Medicaid compares this figure to the FPL percentage for your group.
- Children & pregnant women often qualify even when family income is higher than the adult cutoff.
- Elderly & disabled applicants must meet both income and resource limits.
NC Medicaid Asset Limits 2025
Assets (resources) are things you own, like cash, bank accounts, or property (other than your home). In 2025:
- Individual limit: $2,000
- Couple limit: $3,000
- Some assets (like your home, one car, and personal belongings) are not counted.
- For married couples where one spouse is in long-term care, the community spouse may keep between $31,584 and $157,920 in resources.
FAQs – North Carolina Medicaid 2025
1. What are the NC Medicaid income limits for a family of 4 in 2025?
For adults, the limit is $3,698 per month ($44,376 annually). Children and pregnant women qualify with higher limits.
2. What are the NC Medicaid income limits for adults?
Adults ages 19–64 qualify up to 138% of FPL — that’s $1,800/month for one person, or $2,433/month for two.
3. What are the NC Medicaid income limits for elderly applicants?
Elderly applicants must meet an income test of about $1,255/month (single) and $1,704/month (couple), plus resource limits ($2,000 individual / $3,000 couple).
4. What is the NC Medicaid eligibility income chart for children in 2025?
Children can qualify at much higher levels — for a family of 4 the limit is about $5,645/month ($67,740 annually).
5. What is the NC Medicaid income limit for pregnant women?
Pregnant women qualify up to 196% of FPL. For example, a household of 3 (mother + unborn child + 1 other) has a limit of about $5,252/month.
6. What are the NC Medicaid asset limits in 2025?
Most aged/disabled programs have limits of $2,000 for individuals and $3,000 for couples, with certain protections for spouses.
Conclusion
North Carolina’s Medicaid program now covers more people than ever, thanks to expansion and updated 2025 income rules. Adults, children, pregnant women, and seniors all have different limits, and some groups also have asset requirements. If you think you’re close to qualifying, use the NC Medicaid Income Limits Calculator and apply — even borderline cases may qualify once deductions are applied.