Medicaid Income Limits 2025: New FPL Charts & Thresholds

2025 at a Glance: What Changed?

• FPL increased for 2025. In the 48 states + DC, 100% FPL is $15,650 (household of 1) and $32,150 (HH of 4). Alaska and Hawaii have higher figures. Medicaid categories that use a % of FPL (MAGI) are built on these numbers. (GovInfo)
• Adult expansion stays at 138% FPL (if your state expanded Medicaid). “133%” in law becomes effectively 138% after a standard 5% disregard. (HealthCare.gov)
• 41 states + DC have expanded (10 states haven’t), which determines whether childless adults qualify up to 138% FPL. (KFF)
• 2025 Medicare Savings Programs (MSP) limits (QMB/SLMB/QI) rose; these programs are part of Medicaid for people with Medicare. We list the new monthly caps below. (Medicaid)

⚠️ Heads up on rounding: HHS notes each program (e.g., Medicaid, SNAP) sets its own rounding rules and what income counts. Your state may post slightly different rounded limits. Always check the state Medicaid page. (ASPE)

How Medicaid Income Limits Work (fast primer)

• For kids, pregnant people, parents/caretakers, and expansion adults, states use MAGI (Modified Adjusted Gross Income). MAGI follows federal tax concepts with program-specific adjustments. Limits are set as % of FPL and vary by state and eligibility group. (Medicaid)
• Children & pregnant people generally have higher limits (often 200%–300%+ FPL when including CHIP), while parents/caretakers vary widely by state. KFF maintains the 2025 state tables. (KFF)
• Adults without kids are covered to 138% FPL only in expansion states; non-expansion states keep much lower or no income pathways for childless adults. (KFF)

2025 Quick-Look Charts (48 states + DC)

These are national reference figures based on the 2025 FPL. States may round differently and apply disregards or household rules—check your state’s posted numbers.

100% & 138% of FPL — Monthly income (households 1–4)

Source: 2025 HHS FPL; math to monthly. Expansion adults use 138% FPL; other groups vary by state. (GovInfo, HealthCare.gov)

What about Alaska & Hawaii?

Income thresholds are higher. Examples at 138% FPL (monthly):

• 1-person: Alaska $2,248.25, Hawaii $2,068.85
• 4-person: Alaska $4,621.85, Hawaii $4,252.70
  (Based on HHS 2025 FPL.) (GovInfo)

Adult Coverage in 2025: Expansion vs. Non-Expansion States

• In expansion states, non-elderly adults qualify at ≤138% FPL using MAGI. (HealthCare.gov)
• 10 states have not adopted expansion (as of Aug 26, 2025), creating a coverage gap for many adults below 100% FPL who don’t qualify for Medicaid or Marketplace subsidies. (KFF)

Kids, Pregnancy & Parents: Typical 2025 Ranges (state-specific)

• Children (Medicaid/CHIP): Many states cover kids well above 200% FPL, often up to 255–300%+ depending on age and program (Medicaid vs. CHIP). See KFF’s 2025 state table. (KFF)
• Pregnant people: States commonly set limits ≥200% FPL, and many provide 12 months postpartum coverage (separate policy from income limits). Check your state’s 2025 level via KFF or the state site. (KFF)
• Parents/caretakers: Wide variation by state—some are near expansion levels, others much lower. Use KFF’s 2025 “parents” table to see your state. (KFF)

Seniors & People with Disabilities (non-MAGI) and 2025 MSP Limits

Not all Medicaid pathways use MAGI. ABD Medicaid, Medically Needy “spenddown”, and Medicare Savings Programs use different financial rules and often asset tests. (Medicaid)

2025 Medicare Savings Programs (monthly income limits, most states):

• QMB (≈100% FPL + $20 disregard): $1,325 (individual) / $1,783 (couple)
• SLMB (≈120% FPL + $20): $1,585 / $2,135
• QI (≈135% FPL + $20): $1,781 / $2,400
  (Alaska/Hawaii higher; asset limits apply.) (Medicaid)

Medically Needy (“spenddown”): Some states let you qualify by subtracting medical bills until your income falls below the state’s MNIL. Rules & limits vary by state. (Medicaid, Centers for Medicare & Medicaid Services)

When do states switch to 2025 FPL for Medicaid?

HHS publishes FPL in January; states then update Medicaid/CHIP during the spring (exact effective dates vary by program and state). Example: state bulletins often set late-winter/spring effective dates; always check your state’s current notice. For Marketplace premium tax credits, the new FPL applies later (generally starting with November open enrollment for the next plan year). (dhcs.ca.gov, healthinsurance.org)

How to find your exact 2025 limit (state-by-state)

1. Check KFF’s 2025 state tables for: children, pregnant people, parents, and other adults. (KFF)
2. Visit your state Medicaid website for the posted 2025 monthly limits (and any rounding/disregard rules).
3. If you’re on Medicare, see your state’s MSP page for 2025 QMB/SLMB/QI numbers based on the CMS bulletin. (Medicaid)

FAQs

1) What’s the Medicaid income limit for adults in 2025?
In expansion states, non-elderly adults qualify at ≤138% FPL (MAGI). In non-expansion states, income limits for childless adults are often much lower or unavailable; parents/caretakers vary by state. (HealthCare.gov, KFF)

2) What are the 2025 monthly numbers at 138% FPL (48 states + DC)?
$1,799.75 (HH1), $2,432.25 (HH2), $3,064.75 (HH3), $3,697.25 (HH4). Your state may round differently. (GovInfo, ASPE)

3) Do Alaska and Hawaii use different limits?
Yes. Their 2025 FPL is higher, so Medicaid thresholds are higher too (e.g., 138% FPL monthly for HH1 ≈ $2,248 (AK) and $2,069 (HI)). (GovInfo)

4) When do 2025 FPL numbers take effect for Medicaid?
States generally update in the spring (effective date varies by state/program). Marketplace subsidies keep using the prior-year FPL until the next Open Enrollment. (healthinsurance.org)

5) Where can I see my state’s 2025 limits for kids/pregnancy/parents?
Use KFF’s 2025 state tables for each group, then confirm on your state Medicaid site for monthly amounts. (KFF)

6) What are 2025 income limits for Medicare Savings Programs (QMB/SLMB/QI)?
Most states: QMB $1,325/$1,783, SLMB $1,585/$2,135, QI $1,781/$2,400 (individual/couple; higher in AK/HI). Asset limits apply. (Medicaid)

7) Do kids and pregnant people have higher Medicaid limits?
Usually yes—many states cover kids and pregnancy ≥200% FPL (often via CHIP). Check your state’s 2025 listing. (KFF)

8) What if my income is too high but my medical bills are huge?
Ask if your state has a Medically Needy “spenddown” pathway; you may qualify after subtracting allowed medical expenses to the state’s MNIL. (Medicaid)

Bottom line

• Income limits rose in 2025 because FPL increased. (GovInfo)
• Adults: 138% FPL in expansion states; kids/pregnancy often 200%–300%+ FPL (state-specific). (HealthCare.gov, KFF)
• Seniors/disabled: Different rules (non-MAGI); MSP limits updated for 2025. (Medicaid)
• Always confirm your state’s posted monthly limits and rounding rules before you apply. (ASPE)