State-by-State Breakdown on 2025 Medicaid Eligibility Income Chart

Medicaid is an essential program for low-income individuals, seniors, and people with disabilities.

However, eligibility for Medicaid varies by state, marital status, and the type of care you need.

In 2025, income limits for Medicaid will differ from state to state, and there are ways to qualify even if your income seems too high.

Let’s break down the key income limits for Medicaid across the U.S. to help you understand how to qualify and get the coverage you need.
 

Institutional Medicaid / Nursing Homes (2025)

Institutional Medicaid covers long-term care in nursing homes or similar settings.

The income limits for this type of Medicaid are usually higher than for regular Medicaid.

Most states have limits of $2,901/month for a single person and $5,802/month for married couples applying together.

Here’s a quick breakdown of what you need to know:
 

States with the Same Income Limits for Institutional Medicaid & Medicaid Waivers

These states maintain the same income limits for both institutional Medicaid (nursing home care) and Medicaid Waivers (home and community-based services):

• Alabama, Alaska, Arizona, Arkansas, Colorado, Georgia, Idaho, Indiana, Iowa, Kentucky, Louisiana, Maine, Michigan, Mississippi, Nevada, New Hampshire, New Mexico, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Vermont, Virginia, Washington, Washington, D.C., West Virginia, Wisconsin, Wyoming:

Income Limits:

• $2,901/month for a single person
• $5,802/month for married (both applying)
• $2,901/month per applicant if only one spouse applies

States with Different Medicaid Income Limits

In these states, the income limits may vary for different categories of Medicaid, such as institutional Medicaid, Medicaid waivers, or regular Medicaid for the elderly and disabled.

1. Kansas

   • Institutional Medicaid/Nursing Homes: No strict income cap, but any income over $62/month must go toward the cost of care.
   • Medicaid Waivers/Home and Community-Based Services: No limit, but income over $2,901/month must go toward the cost of care.
   • Regular Medicaid/Elderly and Disabled: $475/month for all applicants.

2. Massachusetts

   • Institutional Medicaid/Nursing Homes: No strict income cap; income over $72.80/month goes toward care.
   • Medicaid Waivers/Home and Community-Based Services: $2,901/month for single, $5,802/month for married (both applying), $2,901/month per applicant.
   • Regular Medicaid/Elderly and Disabled: $1,255/month for single, $1,704/month for married.

3. Maryland

   • Institutional Medicaid/Nursing Homes: Income cannot exceed the cost of nursing home care.
   • Medicaid Waivers/Home and Community-Based Services: $2,901/month for single, $5,802/month for married (both applying), $2,901/month per applicant.
   • Regular Medicaid/Elderly and Disabled: $350/month for single, $392/month for married.

4. Missouri

   • Institutional Medicaid/Nursing Homes: All available income less $50/month goes toward care.
   • Medicaid Waivers/Home and Community-Based Services: Varies by type of waiver.
   • Regular Medicaid/Aged and Disabled: Varies by age, blindness, and disability status.

Other States with Varying Limits

The following states may have varying limits depending on the type of Medicaid and the specific case. You’ll need to check with the local Medicaid office for precise details:

• Montana
• Nebraska
• North Carolina
• North Dakota
• Ohio
• Utah

Don't Miss Out on Medicaid Benefits

The income limits for Medicaid in 2025 vary widely across states, but don’t be discouraged if you think you don’t qualify.

Medicaid has many flexible eligibility requirements, including options like Miller Trusts and spend-down programs, which can help you qualify even if your income is higher than the stated limits.

Always consult with Medicaid professionals or legal experts who specialize in Medicaid planning to help you navigate the system.

For more information and to apply, visit your state’s Medicaid website or the federal Medicaid portal at Medicaid.gov.

Medicaid is an essential program that can provide life-saving coverage for millions of Americans. Don’t miss out on the benefits available to you.

Previous article: Social Security Payment Schedule for February 2025: Here’s When You’ll Get Paid

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