Medicaid in 2025 Eligibility: The US government has updated its official poverty levels for 2025, and these changes affect who can get Medicaid and other help programs. The new numbers show slightly higher income limits because life keeps getting more expensive.
For most states, here’s how much money you can make to be at the poverty line:
- $15,650 per year for one person
- $21,150 for two people
- $26,650 for three people
- $32,150 for four people
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Each extra person in your family adds $5,500 to these amounts. But Alaska and Hawaii have different rules because everything costs more there. In Alaska, one person can make $19,550 and still be at the poverty level, while in Hawaii it’s $17,990.
How This Affects Medicaid
Medicaid helps people with low incomes get health insurance. The rules change depending on where you live:
In states that expanded Medicaid (most states), you might qualify if you make up to 138% of these poverty amounts. That means about $21,600 for one person or $29,200 for two people.
But in states that didn’t expand Medicaid, it’s much harder to qualify. Many adults without children can’t get Medicaid at all, no matter how poor they are. Only certain groups like pregnant women, seniors, or disabled people might still get help.
Some states have special “Medically Needy” programs for people with high medical bills, even if they make slightly too much money normally.
The federal government has set new 2025 financial limits for Americans qualifying for both Medicare and Medicaid benefits. For most states (excluding Alaska and Hawaii), the Qualified Medicare Beneficiary (QMB) program now covers individuals earning up to $1,325 monthly ($1,783 for couples) with asset limits of $9,660 for singles and $14,470 for couples.
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The Specified Low-Income Medicare Beneficiary (SLMB) program helps those making up to $1,585 monthly ($2,135 for couples) with the same asset rules as QMB.
For additional assistance, the Qualifying Individual (QI) program supports enrollees with incomes up to $1,781 ($2,400 for couples).
Disabled workers (QDWI) qualify with higher income limits
- $5,302 for individuals and
- $7,135 for couples though their asset caps are lower at $4,000 and $6,000 respectively.
All categories include the standard $20 monthly income disregard. These thresholds help determine how much beneficiaries can earn while still receiving crucial healthcare coverage through these dual-eligible programs.
Medicaid in 2025 Eligibility: How to Apply?
You can sign up for Medicaid through your state’s health department website, by phone, by mail, or in person. Each state runs its own program, so the rules might be slightly different where you live.
As healthcare costs keep rising, these poverty guidelines help decide who gets help paying for doctor visits and medicine. The 2025 update means some people who didn’t qualify before might get help now, while others need to check if they still meet the requirements.
