Medicaid Eligibility Calculator for Seniors
Check if you likely qualify for Medicaid as a senior in 2026 based on common income and asset limits — actual limits vary by state.
Medicaid income and asset limits for seniors vary significantly by state. A common baseline used by about half of states is $994/month income and $2,000 in assets for an individual, but many states set higher limits, sometimes well above $1,300/month. Use this tool to check against the common baseline, then apply through your state for an exact answer.
Unlike some government benefits with one national limit, Medicaid eligibility for seniors depends heavily on which state you live in. This tool checks your income and assets against the most common baseline. If you don't qualify under that baseline, it doesn't necessarily mean you're ineligible, your state's actual limit could be higher, or a medically-needy pathway could still apply.
Check Your Medicaid Eligibility
Actual limits vary by state
This tool checks against the common $994/$1,491 baseline used by roughly half of states. Many states set their own, higher limits, sometimes up to $1,300–$1,750/month for an individual. Applying through your state Medicaid agency is the only way to get an exact answer.
This tool covers regular/community Medicaid only. If you're looking into nursing home or institutional care coverage, see this site's separate Long-Term Care Medicaid tool instead, it uses a much higher income limit.
Also see this site's Medicaid Look-Back Period Calculator and Spend-Down Calculator.
Medicaid for seniors runs through a pathway called Aged, Blind, and Disabled (ABD) Medicaid, sometimes called regular or state plan Medicaid. About half of states tie their income limit directly to the SSI Federal Benefit Rate, $994 a month for an individual in 2026. The other half set their own limits, which can run considerably higher, in some states as much as $1,300 to $1,750 a month. Asset limits are more consistent, commonly $2,000 for an individual, though a growing number of states have raised or eliminated this test entirely. If your income is above your state's limit, you're not necessarily out of options. Thirty-four states offer a medically needy pathway, letting you subtract significant medical expenses from your countable income to still qualify. This calculator covers regular, community-based Medicaid only. If you're looking into nursing home or long-term care coverage specifically, that pathway uses a much higher income limit and different rules, covered by this site's separate long-term care Medicaid tool.
Frequently Asked Questions
What is the Medicaid income limit for seniors in 2026?
There's no single national limit. About half of states use the SSI-linked figure of $994/month for an individual ($1,491 for a couple), while others set their own limits, sometimes as high as $1,300 to $1,750/month.
What is the Medicaid asset limit for seniors?
Commonly $2,000 for an individual and $3,000 for a couple, matching the SSI resource test, though some states have raised or eliminated this limit.
What if my income is too high for regular Medicaid?
Many states offer a "medically needy" pathway, letting you subtract medical expenses from your countable income to qualify, even above the standard limit.
Is Medicaid eligibility for nursing home care the same as regular Medicaid?
No. Nursing home and long-term care Medicaid uses a much higher income limit, $2,982/month in 2026, and different rules. This calculator covers regular, community-based Medicaid only.
Does owning a home affect my Medicaid eligibility?
Generally, your primary home and one vehicle don't count toward the asset limit for regular Medicaid eligibility purposes.
How do I get an official Medicaid eligibility determination?
Apply directly through your state Medicaid agency. Only your state can confirm your exact eligibility, since income and asset limits vary significantly by state.
This calculator checks your information against a common baseline used by roughly half of US states and does not reflect your specific state's actual limits, which can vary significantly. It does not constitute a determination of eligibility. For an official determination, apply directly through your state Medicaid agency.