Last Updated on: May 15th, 2025
Reviewed by Dylan
- Licensed Agent
- - @InsureGuardian
Medicaid serves as a crucial healthcare safety net for millions of Americans, offering essential medical coverage to individuals and families with limited income. However, eligibility rules and income thresholds can vary significantly depending on your state of residence.
Table of Contents
ToggleWhether you’re applying for the first time or reassessing your qualifications, understanding your state’s specific guidelines is vital. This comprehensive guide provides an interactive map, a detailed 2025 income limits chart, and answers to common questions to help you navigate Medicaid eligibility.
What is Medicaid?
Medicaid is a joint federal and state program that offers free or low-cost health coverage to eligible low-income individuals, families, seniors, and people with disabilities. Unlike Medicare, which is primarily age-based, Medicaid eligibility is determined by factors such as income, household size, disability status, and pregnancy.
Each state administers its own Medicaid program, resulting in variations in eligibility requirements, income limits, and covered services.
Medicaid Eligibility by State: Interactive Map
Medicaid eligibility isn’t uniform across the United States. Some states have expanded Medicaid under the Affordable Care Act (ACA), while others maintain more restrictive guidelines.
- Identify whether your state has expanded Medicaid
- View income limits for individuals and families
- Access state-specific enrollment websitesHouston Chronicle+9Medicaid Long Term Care+9World Population Review+9
2025 Medicaid Income Limits Chart
To qualify for Medicaid in 2025, your Modified Adjusted Gross Income (MAGI) must fall below certain thresholds based on the Federal Poverty Level (FPL). These limits are updated annually and can differ by state and household size.
Below is a sample of the 2025 income limits for select states:
State | Individual Limit ($) | Family of 2 | Family of 3 | Family of 4 |
Alabama | 20,121 | 27,214 | 34,307 | 41,400 |
California | 21,580 | 29,200 | 36,820 | 44,440 |
Florida | 19,392 | 26,228 | 33,064 | 39,900 |
New York | 22,590 | 30,660 | 38,730 | 46,800 |
Texas | 18,755 | 25,415 | 32,075 | 38,735 |
Note: These figures are approximations based on 138% of the FPL for Medicaid expansion states. Non-expansion states may have different limits.
For a comprehensive state-by-state breakdown, please refer to the Medicaid Eligibility Income Chart by State.
State-by-State Medicaid Eligibility Overview
California
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$21,580
Coverage Includes: Adults, families, children, seniors, pregnant women, and disabled individuals - Enrollment Website: Covered California
Texas
- Expansion State: ❌ No
- Income Limit for Non-disabled Adult: Extremely limited (~$4,000 annually)
- Coverage Includes: Children, pregnant women, seniors, disabled individuals
- Enrollment Website: Your Texas Benefits
New York
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$22,590
- Coverage Includes: Adults, families, seniors, pregnant women, disabled individuals
- Enrollment Website: NY State of Health
Florida
- Expansion State: ❌ No
- Income Limit for Adult: ~30% FPL (extremely restrictive)
- Coverage Includes: Children, pregnant women, parents with very low income
- Enrollment Website: ACCESS Florida
Illinois
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$20,783
- Coverage Includes: Adults up to 138% FPL, children, pregnant women, seniors
- Enrollment Website: ABE Illinois
Georgia
- Expansion State: ❌ No
- Income Limit for Adults: ~35% FPL or lower
- Coverage Includes: Children, pregnant women, and elderly/disabled residents
- Enrollment Website: Georgia Gateway
Ohio
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$20,783
- Coverage Includes: Adults, pregnant women, children, seniors
- Enrollment Website: Ohio Benefits
Arizona
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$20,783
- Coverage Includes: Adults, children, pregnant women, and disabled residents
Enrollment Website: Health-e-Arizona Plus
North Carolina
- Expansion State: ✔️ Newly expanded in 2024
- Income Limit for Individual: ~$20,783
- Coverage Includes: Adults without children now eligible under expansion
- Enrollment Website: ePASS NC
Pennsylvania
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$20,783
- Coverage Includes: Low-income adults, families, seniors, and disabled persons
- Enrollment Website: COMPASS
Tennessee
- Expansion State: ❌ No
- Income Limit for Adult: ~24% FPL or lower
- Coverage Includes: Pregnant women, children, seniors, disabled individuals
- Enrollment Website: TennCare
Washington
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$21,960
- Coverage Includes: Adults, families, children, pregnant women
- Enrollment Website: Washington Healthplanfinder
Michigan
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$20,783
- Coverage Includes: Adults, families, children, pregnant women, disabled, seniors
- Enrollment Website: MI Bridges
Alabama
- Expansion State: ❌ No
- Income Limit for Adult: ~18% FPL (very restrictive)
- Coverage Includes: Children, pregnant women, seniors, disabled individuals
- Enrollment Website: My Medicaid Alabama
Nevada
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$20,783
- Coverage Includes: Adults, children, pregnant women, elderly
- Enrollment Website: Access Nevada
Mississippi
- Expansion State: ❌ No
- Income Limit for Adults: ~27% FPL
- Coverage Includes: Pregnant women, children, elderly, disabled
- Enrollment Website: Medicaid.ms.gov
Colorado
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$20,783
- Coverage Includes: Adults, families, seniors, disabled individuals
- Enrollment Website: Colorado PEAK
South Carolina
- Expansion State: ❌ No
- Income Limit for Adults: Very limited; mostly for pregnant women, children
- Coverage Includes: Pregnant women, children, seniors, disabled
- Enrollment Website: Healthy Connections
Minnesota
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$22,000
- Coverage Includes: Adults, families, children, seniors
- Enrollment Website: MNsure
Indiana
- Expansion State: ✔️ Yes (under HIP 2.0 waiver)
- Income Limit for Individual: ~$20,783
- Coverage Includes: Adults, children, pregnant women, disabled
- Enrollment Website: FSSABenefits
Louisiana
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$20,783
- Coverage Includes: Low-income adults, children, pregnant women, elderly
- Enrollment Website: Healthy Louisiana
Wisconsin
- Expansion State: ❌ Partial
- Income Limit for Adults: Covers up to 100% FPL (not full expansion)
- Coverage Includes: Adults up to 100% FPL, children, pregnant women
- Enrollment Website: ACCESS Wisconsin
Oregon
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$21,580
- Coverage Includes: Adults, children, seniors, disabled
- Enrollment Website: OHP.Oregon.gov
Kentucky
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$20,783
- Coverage Includes: Adults, children, seniors, disabled
- Enrollment Website: Kynect
New Jersey
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$22,590
- Coverage Includes: Adults, families, pregnant women, elderly
- Enrollment Website: NJ FamilyCare
North Dakota
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$20,783
- Coverage Includes: Adults, pregnant women, elderly, disabled
- Enrollment Website: ND Medicaid
Arkansas
- Expansion State: ✔️ Yes (via Medicaid waiver/private option)
- Income Limit for Individual: ~$20,783
- Coverage Includes: Adults, children, pregnant women, elderly
- Enrollment Website: Access Arkansas
Montana
- Expansion State: ✔️ Yes
- Income Limit for Individual: ~$20,783
- Coverage Includes: Adults, families, children, seniors, disabled
- Enrollment Website: Apply.mt.gov
For information on other states, please use the interactive map above or visit your local health department’s website.
How Much Does Life Isurance Cost?
Who Qualifies for Medicaid?
Eligibility for Medicaid is determined by several factors:
Income
Income is a primary determinant. In Medicaid expansion states, adults earning up to 138% of the FPL may qualify. Non-expansion states have more restrictive income limits.World Population Review
Household Size
Larger households have higher income thresholds. For example, a family of four will have a higher income limit than a single individual.
Age & Disability
Seniors and individuals with disabilities may qualify under different criteria, often with distinct income and asset limits.
Citizenship & Residency
Applicants must:
- Be U.S. citizens or qualified non-citizens
- Reside in the state where they are applying
How to Apply for Medicaid
Applying for Medicaid has become more accessible with online portals and assistance centers.
Step-by-Step Guide:
- Visit your state’s Medicaid website or Healthcare.gov.
- Create an account and provide household and income details.
- Submit documentation: ID, proof of income, Social Security Number, and residency proof.
- Await approval: Decisions are typically made within 7–30 days.
- Enroll in a plan if required and select a primary care provider.
Medicaid Renewal & Reporting
Once enrolled, it’s essential to renew your coverage annually and report any significant life changes.
You Must Report If:
- Your income changes
- You move to another state
- Your household size changes
- You obtain employer-sponsored health coverage
Failure to report changes can result in loss of coverage or penalties.
Common Issues & How to Solve Them
Denied Application?
- Double-check your household size and income reporting.
- Ensure all required documents were uploaded correctly.
- Appeal the decision by contacting your state’s Medicaid office.
Trouble With the Application?
- Seek assistance from a local enrollment navigator.
- Call your state’s Medicaid hotline.
- Visit a community health center for in-person help.
Who Can Benefit the Most from Medicaid?
Medicaid is particularly beneficial for:
- Low-income adults and families
- Pregnant women and new mothers
- Children and teenagers
- Seniors and individuals with disabilities
- People experiencing temporary job loss
Even if you’re uncertain about your eligibility, it’s advisable to apply, as some states offer partial coverage or alternative aid programs.
Final Thoughts
Navigating Medicaid eligibility can be complex, but with the right tools and information, you can determine your qualifications and access the healthcare you need.
Utilize the interactive map and income chart provided to assess your eligibility. For personalized assistance, consider reaching out to your state’s Medicaid office or a certified Medicaid planner.
Stay informed and take proactive steps to secure your healthcare coverage.
FAQs
Q1: Can I apply for Medicaid even if I have a job?
Yes. Employment does not automatically disqualify you from Medicaid. Eligibility is primarily based on income level relative to the FPL.
Q2: What if my state hasn’t expanded Medicaid?
In non-expansion states, Medicaid eligibility is often limited to specific groups such as pregnant women, children, seniors, and individuals with disabilities. However, you may still qualify under certain conditions or through alternative programs.
Q3: Is Medicaid the same in every state?
No. Each state administers its own Medicaid program, resulting in variations in eligibility criteria, income limits, covered services, and application processes.
Q4: How often do I need to renew my Medicaid coverage?
Medicaid coverage typically requires annual renewal. However, you must report any significant life changes, such as income fluctuations or changes in household size, as they occur.
Q5: Does Medicaid cover dental and vision services?
Medicaid coverage for dental and vision services varies by state. While all states provide dental services for children under Medicaid, adult dental and vision benefits are optional and differ across states.

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Dylan is your go-to guy for life and health insurance at InsureGuardian. He’s helped over 2,500 clients just like you figure out the best insurance plans for their needs. Before joining us, Dylan was sharing his expertise on TV with Global News and making a difference with various charities focused on health. He’s not just about selling insurance; he’s passionate about making sure you’re covered for whatever life throws your way.