Medicaid income limits for 2025 by household size. Find out exactly how much you can earn and still qualify for free or low-cost health coverage.
Medicaid Income Limits for 2025
Medicaid income limits are based on the Federal Poverty Level (FPL), which the federal government updates each year. For 2025, the income limits depend on your household size and whether your state has expanded Medicaid.
2025 Federal Poverty Level Guidelines
| Household Size | Annual FPL | Monthly FPL |
|---|---|---|
| 1 person | $15,060 | $1,255 |
| 2 people | $20,440 | $1,703 |
| 3 people | $25,820 | $2,152 |
| 4 people | $31,200 | $2,600 |
| 5 people | $36,580 | $3,048 |
| Each additional | +$5,380 | +$448 |
Income Limits in Expansion States
States that expanded Medicaid under the Affordable Care Act cover adults earning up to 138% of the FPL:
| Household Size | Annual Limit | Monthly Limit |
|---|---|---|
| 1 person | $20,783 | $1,732 |
| 2 people | $28,207 | $2,351 |
| 3 people | $35,631 | $2,969 |
| 4 people | $43,056 | $3,588 |
Income Limits in Non-Expansion States
In the 10 states that have not expanded Medicaid, income limits are much lower and typically only cover:
- Children and pregnant women (usually up to 138–200% FPL)
- Parents with dependent children (often as low as 17–100% FPL)
- Elderly and disabled individuals (based on SSI limits)
Non-disabled adults without children often do not qualify for Medicaid in non-expansion states.
What Counts as Income?
Medicaid counts most types of income including:
- Wages and salaries
- Self-employment income
- Social Security benefits
- Unemployment compensation
- Alimony
- Rental income
Generally not counted: child support received, gifts, inheritances (in most cases), and income from certain Native American sources.
Modified Adjusted Gross Income (MAGI)
Most Medicaid eligibility determinations now use MAGI — the same income calculation used for ACA marketplace plans. MAGI includes your adjusted gross income plus certain deductions added back in.
What If My Income Is Too High for Medicaid?
If you earn too much for Medicaid, you may still qualify for:
- ACA Marketplace subsidies — Available for incomes between 100–400% FPL
- CHIP — For children in households with incomes up to 200–300% FPL depending on the state
- Medicare Savings Programs — If you have Medicare and limited income
The Bottom Line
The easiest way to know if you qualify is to take our free eligibility check. Income limits vary significantly by state, household size, and personal situation — our quiz accounts for all of these factors.