Calculators
Medicaid Income Limit Calculator
Compare household income with the federal poverty guideline and your state's Medicaid or CHIP threshold to check likely eligibility.
- Runs in your browser
- Nothing uploaded
The tool
Enter your numbers below. Results update as you type, and nothing leaves your browser.
Everything you enter stays on your own machine. Nothing is sent to us or to anyone else, which you can confirm in your browser network tab.
What people use it for
- Checking likely Medicaid eligibility
- Benefits counselling
- Planning around income changes
- Community health outreach
About this tool
What the Medicaid Income Limit Calculator does
Medicaid eligibility for most adults and children is based on modified adjusted gross income compared with the federal poverty guideline (FPL) for the household size. In states that expanded Medicaid, most adults qualify up to 138% of FPL; thresholds for children and pregnancy are usually higher.
Formula
- Income % = household income ÷ poverty guideline × 100
- Limit = poverty guideline × state threshold
Worked example
Using the starting values in the calculator above:
| Input | Value |
|---|---|
| Household annual income (MAGI) | $32,000 |
| Poverty guideline for the household size | $26,650 |
| State threshold for this group | 138% |
| Result | Value |
|---|---|
| Result | Within the threshold |
| Income as % of the poverty guideline | 120.1% |
| Income limit for this group | $36,777 |
| Income below (+) or above (−) the limit | $4,777 |
How to read the result
Medicaid uses modified adjusted gross income, which differs from gross pay; check what counts for your household.
If income is just above Medicaid, marketplace insurance subsidies may be available.
Estimates only. Official rates and rules change; confirm figures with the relevant agency before relying on them.
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Questions
Questions about this tool
The things clients actually want to know — costs, timelines, ownership and what happens after launch.
It depends on the state and eligibility group; expansion states cover most adults up to 138% of the poverty guideline.
Modified adjusted gross income, the income measure used for most Medicaid eligibility.
The US Department of Health and Human Services, updated each year.
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