NY Medicaid Income Limits 2025: Adults, Kids & Seniors

Q: 1. What is the Medicaid income limit for a single adult in New York in 2025?

A single adult in NY can earn up to $1,800 per month ($21,597 annually) and still qualify for Medicaid.

Q: 2. What’s the income limit for a family of 4 in New York Medicaid in 2025?

For adults 19–64, a household of 4 can make up to $3,698 per month ($44,367 annually) .

Q: 3. How much can a pregnant woman make and still qualify for Medicaid in NY 2025?

Pregnant individuals qualify up to 223% of FPL . For a 2-person household (pregnant + unborn), that’s about $3,930 per month ($47,165 annually) .

Q: 4. Do assets count for Medicaid eligibility in New York?

For adults, children, and pregnancy categories under MAGI rules , assets do not count. For 65+ / Disabled (ABD program) , assets do count, with a limit of $32,396 (single) / $43,781 (couple) in 2025.

Q: 5. What if my income is slightly above the Medicaid limit in NY?

You may still qualify for the Essential Plan (low-cost coverage) or for Spenddown/Excess Income if you are 65+ or disabled.

Q: 6. How do I apply for Medicaid in New York in 2025?

Online: NY State of Health marketplace (for adults under 65, children, and pregnancy). Local DSS/HRA office: For seniors and disabled applicants. By phone or navigator: Free help is available statewide.

The New York Medicaid Income Limits 2025 determine who qualifies for free or low-cost health coverage.

Quick answer (what you came for):

Adults 19–64 (and parents/caretakers): Eligible up to 138% FPL. That’s about $1,800/mo ($21,597/yr) for a 1-person household, $2,433/mo ($29,187/yr) for 2, $3,065/mo ($36,777/yr) for 3, $3,698/mo ($44,367/yr) for 4.
Children 1–18: Eligible up to 154% FPL (higher than adults).
19–20 year-olds living with parents: Up to 155% FPL.
Pregnant individuals & infants <1: Up to 223% FPL (the highest limit).
Age 65+ / Blind / Disabled (ABD) – Community Medicaid: About $1,820/mo (single), $2,453/mo (couple) after the standard $20 disregard, with resource limits of $32,396 (single) / $43,781 (couple). A Spenddown/Excess-Income path may help if you’re over the limit.

If your income is just above Medicaid, New York’s Essential Plan may cover you at low or $0 premium.

Page Contents

1 New York Medicaid Income Limits 2025 (Monthly & Annual)
2 How New York counts income (MAGI rules)
3 Documents you’ll usually need
4 How to apply or renew
5 Frequently Asked Questions
6 Final Thoughts

New York Medicaid Income Limits 2025 (Monthly & Annual)

Household Size	Adults (138% FPL)	Children (154% FPL)	Young Adults 19–20 (155% FPL)	Pregnant & Infants (223% FPL)	Age 65+/Disabled (ABD Program)
1	$1,800 / $21,597	$2,008 / $24,101	$2,022 / $24,258	$2,908 / $34,900	$1,820 income $32,396 assets
2	$2,433 / $29,187	$2,714 / $32,571	$2,732 / $32,783	$3,930 / $47,165	$2,453 income $43,781 assets
3	$3,065 / $36,777	$3,420 / $41,041	$3,442 / $41,308	$4,953 / $59,430	—
4	$3,698 / $44,367	$4,126 / $49,511	$4,153 / $49,833	$5,975 / $71,695	—
5	$4,330 / $51,957	$4,832 / $57,981	$4,863 / $58,358	$6,997 / $83,960	—
6	$4,963 / $59,547	$5,538 / $66,451	$5,574 / $66,883	$8,019 / $96,225	—
7	$5,595 / $67,137	$6,243 / $74,921	$6,284 / $75,408	$9,041 / $108,490	—
8	$6,228 / $74,727	$6,949 / $83,391	$6,994 / $83,933	$10,063 / $120,755	—
Each +1	+$633 / +$7,590	+$706 / +$8,470	+$709 / +$8,525	+$1,022 / +$12,265	—

Tip: These are the official 2025 income limits. For other states, see our full Medicaid Income Limits by State 2025 chart.

1) Adults 19–64 (and parents/caretakers) — 138% FPL

Effective 2025:

1: $1,800/mo ($21,597/yr)
2: $2,433/mo ($29,187/yr)
3: $3,065/mo ($36,777/yr)
4: $3,698/mo ($44,367/yr)
5: $4,330/mo ($51,957/yr)
6: $4,963/mo ($59,547/yr)
7: $5,595/mo ($67,137/yr)
8: $6,228/mo ($74,727/yr)
Each add’l person: +$633/mo (+$7,590/yr)

2) Children ages 1–18 — 154% FPL

(Children’s limits are higher to keep kids covered.)

1: ~$2,008/mo ($24,101/yr)
2: ~$2,714/mo ($32,571/yr)
3: ~$3,420/mo ($41,041/yr)
4: ~$4,126/mo ($49,511/yr)
5: ~$4,832/mo ($57,981/yr)
6: ~$5,538/mo ($66,451/yr)
7: ~$6,243/mo ($74,921/yr)
8: ~$6,949/mo ($83,391/yr)
Each add’l person: +~$706/mo (+$8,470/yr)

3) 19–20 year-olds living with parents — 155% FPL

1: ~$2,022/mo ($24,258/yr)
2: ~$2,732/mo ($32,783/yr)
3: ~$3,442/mo ($41,308/yr)
4: ~$4,153/mo ($49,833/yr)
5: ~$4,863/mo ($58,358/yr)
6: ~$5,574/mo ($66,883/yr)
7: ~$6,284/mo ($75,408/yr)
8: ~$6,994/mo ($83,933/yr)
Each add’l person: +~$709/mo (+$8,525/yr)

4) Pregnant individuals & infants <1 — 223% FPL

(Count the unborn when figuring household size.)

1: ~$2,908/mo ($34,900/yr)
2: ~$3,930/mo ($47,165/yr)
3: ~$4,953/mo ($59,430/yr)
4: ~$5,975/mo ($71,695/yr)
5: ~$6,997/mo ($83,960/yr)
6: ~$8,019/mo ($96,225/yr)
7: ~$9,041/mo ($108,490/yr)
8: ~$10,063/mo ($120,755/yr)
Each add’l person: +~$1,022/mo (+$12,265/yr)

5) Age 65+ / Blind / Disabled (ABD) — Community Medicaid

Monthly income allowance (2025):
- Single: ~$1,820/mo (includes $20 disregard)
- Couple (both applying): ~$2,453/mo (includes $20 disregard)
Resource (asset) limit: $32,396 (single) / $43,781 (couple)
Over-income? NY’s Excess-Income/Spenddown program lets you qualify by meeting a monthly “surplus” with medical bills.

Tip: If you’re slightly above the Medicaid MAGI limits, check Essential Plan eligibility (NY’s low-cost basic health coverage) before you give up—many near-limit adults qualify with $0–low premiums.

How New York counts income (MAGI rules)

Counts: Most taxable income (wages, unemployment, self-employment, some Social Security, etc.).
Doesn’t count: Some child support received, certain veteran benefits, and pre-tax deductions (e.g., HSA, traditional IRA contributions) may lower MAGI.
Household: Generally the tax household (you + spouse + dependents you claim). Pregnant people count the unborn for household size.

Documents you’ll usually need

ID and proof of NY residency
Social Security number (if you have one)
Proof of income (recent pay stubs, self-employment records, benefit letters)
Immigration/citizenship documents (if applicable)
Proof of pregnancy (for the 223% FPL category)

How to apply or renew

Online: NY State of Health (for MAGI groups: adults under 65, kids, pregnant)
Local DSS/HRA: For ABD/Spenddown or if you’re on Medicare
Assisters/Navigators: Free in-person help is available statewide
Renewals: Watch mail, texts, and email—deadlines are strict. If you miss one, respond ASAP to avoid gaps.

Frequently Asked Questions

1. What is the Medicaid income limit for a single adult in New York in 2025?

A single adult in NY can earn up to $1,800 per month ($21,597 annually) and still qualify for Medicaid.

2. What’s the income limit for a family of 4 in New York Medicaid in 2025?

For adults 19–64, a household of 4 can make up to $3,698 per month ($44,367 annually).

3. How much can a pregnant woman make and still qualify for Medicaid in NY 2025?

Pregnant individuals qualify up to 223% of FPL. For a 2-person household (pregnant + unborn), that’s about $3,930 per month ($47,165 annually).

4. Do assets count for Medicaid eligibility in New York?

For adults, children, and pregnancy categories under MAGI rules, assets do not count.
For 65+ / Disabled (ABD program), assets do count, with a limit of $32,396 (single) / $43,781 (couple) in 2025.

5. What if my income is slightly above the Medicaid limit in NY?

You may still qualify for the Essential Plan (low-cost coverage) or for Spenddown/Excess Income if you are 65+ or disabled.

6. How do I apply for Medicaid in New York in 2025?

Online: NY State of Health marketplace (for adults under 65, children, and pregnancy).
Local DSS/HRA office: For seniors and disabled applicants.
By phone or navigator: Free help is available statewide.

Final Thoughts

The New York Medicaid Income Limits 2025 give clear income and household thresholds for adults, children, pregnant women, and seniors. If your income is close to the cutoff, you may still qualify through the Essential Plan or the Spenddown program.

To make it easier: