Medicaid Eligibility Calculator

Check if you qualify for Medicaid based on income, household size, and state. See ACA alternatives if over the limit.
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Use the Medicaid Eligibility Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

How It Works

Our Medicaid Eligibility Calculator helps you quickly determine if you meet the income requirements for Medicaid in your state for the 2026 benefit year. Understanding your Medicaid eligibility is crucial for accessing affordable healthcare, and this tool provides an immediate assessment based on the latest federal and state guidelines. If you are over the Medicaid limit, we'll also guide you towards Affordable Care Act (ACA) marketplace plans that offer subsidies to lower your healthcare costs.

This calculator utilizes the Modified Adjusted Gross Income (MAGI) methodology, which is the standard for most adult Medicaid eligibility determinations. We compare your reported household income and size against your state's 2026 Federal Poverty Level (FPL) percentages, typically 138% for Medicaid expansion states. For non-expansion states, we apply the specific income thresholds and rules, which are generally lower.

Remember to include all sources of taxable income for your household when calculating your MAGI, as this is a common oversight. Be aware that some states have different eligibility rules for specific populations like pregnant women, children, and individuals with disabilities. Our calculator provides a general estimate; always confirm your eligibility with your state's Medicaid agency.

Example: A Family of Four in a Medicaid Expansion State

  1. 1 Susan and John, with their two children, have a combined household income of $45,000 annually. They reside in a state that has expanded Medicaid, and their household size is 4.
  2. 2 For 2026, the Federal Poverty Level (FPL) for a household of 4 is approximately $33,120. In a Medicaid expansion state, the income limit is 138% of the FPL. Therefore, 138% of $33,120 is $45,705.60.
  3. 3 Since Susan and John's household income of $45,000 is below $45,705.60, they would likely be eligible for Medicaid in their state.
  4. 4 This example demonstrates how a family within the FPL threshold can qualify for Medicaid. If their income were above this limit, they would be directed to explore ACA marketplace plans where they might qualify for subsidies to reduce their premium costs.

Source: Benefits.gov · Last updated: April 2026

Frequently Asked Questions

What are the Medicaid income limits for 2026?
In states that expanded Medicaid, adults qualify with income up to 138% of the federal poverty level (about $21,597 for a single person in 2026). Non-expansion states have much lower limits, often covering only very-low-income parents and pregnant women.
What is the difference between Medicaid and Medicare?
Medicaid is a state-federal program for low-income individuals of any age. Medicare is a federal program for people 65+ (or younger with disabilities). Some people qualify for both (dual eligible). Medicaid eligibility is income-based; Medicare is age/disability-based.
Can I get Medicaid if I have a job?
Yes. Medicaid eligibility is based on income, not employment status. If your household income falls below your state's Medicaid threshold (138% FPL in expansion states), you can qualify even while employed.

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