Med-QUEST · Updated August 22, 2026

Hawaii Medicaid Income Limits 2026

Income LimitsEligibilityAsset LimitsHow to ApplyRenewalMedicare Savings ProgramsSeniors & Long-Term Care

Med-QUEST covers adults in Hawaii whose household income is at or below 138% of the poverty line. Using the 2026 poverty guidelines, that works out to about $2,111 a month for an individual and $4,364 for a family of four.

Single adult (19–64)$2,111per month
Family of 4 (adults)$4,364per month
Child, family of 4$9,899per month
Pregnant, family of 2$4,065per month
Hawaii Medicaid income limits for adults 2026 (138% of FPL)
Household sizeMonthly income limitAnnual income limit
1 person$2,111$25,337
2 people$2,862$34,348
3 people$3,613$43,360
4 people$4,364$52,371
5 people$5,115$61,382
6 people$5,866$70,394
7 people$6,617$79,405
8 people$7,368$88,417

Each additional person adds $751 per month. Figures use the 2026 federal poverty guidelines and are rounded to the nearest dollar.

Income limits by eligibility group

Children (Medicaid/CHIP)

313% of FPL
1 person
$4,789/mo
2 people
$6,492/mo
4 people
$9,899/mo

Upper limit incl. CHIP; younger age bands may differ. KFF 2025 survey - confirm with state

Pregnant women

196% of FPL
1 person
$2,999/mo
2 people
$4,065/mo
4 people
$6,199/mo

Includes CHIP pregnancy/unborn-child coverage where offered. KFF 2025 survey - confirm with state

Seniors, blind & disabled

100% of FPL
1 person
$1,530/mo
2 people
$2,074/mo
4 people
$3,163/mo

SSI-related; most states use SSI limit (~74% FPL) or 100% FPL. CA, AZ and a few others have no asset test

QMB (Qualified Medicare Beneficiary)

100% of FPL
1 person
$1,530/mo
2 people
$2,074/mo
4 people
$3,163/mo

Pays Part A & B premiums, deductibles, coinsurance

How Hawaii counts income

Med-QUEST uses Modified Adjusted Gross Income (MAGI) for adults, children, parents and pregnant women. MAGI includes wages, self-employment income, Social Security benefits, unemployment, pensions and most taxable income, before taxes. It does not include SSI, child support received, veterans' disability benefits or most gifts. A 5% income disregard is applied automatically, which is why the expansion limit is often quoted as 133% but effectively 138%.

Seniors and people with disabilities are assessed under older, non-MAGI rules that also look at assets. See Hawaii asset limits and long-term care rules.

What if your income is over the limit?

  • Marketplace coverage. Households between 100% and 400% of FPL can get premium tax credits on HealthCare.gov.
  • Children and pregnant women have separate, higher limits; you may be over the adult limit but still have eligible dependents.
  • Medically needy / spend-down. Some states let you subtract medical bills from income to qualify; ask the agency.
  • Recheck after a change. Job loss, reduced hours or a new baby can bring you under the limit; you can apply any time of year.

Frequently asked questions

What is the Medicaid income limit in Hawaii for a single person in 2026?
A single adult in Hawaii can earn up to $2,111 per month ($25,337 per year) under the expansion group, which has no asset test.
What is the Medicaid income limit in Hawaii for a family of 4?
For a family of four the 2026 adult limit is $4,364 per month; children in that household qualify up to $9,899 per month.
Does Hawaii Medicaid count gross or net income?
Med-QUEST uses MAGI, which is gross income minus specific pre-tax deductions such as retirement contributions and student loan interest. It is closer to gross than net.
Is there an asset limit for Hawaii Medicaid?
No asset test applies to adults, children, parents or pregnant women. Asset limits apply only to seniors and people with disabilities; see the asset limits page.
When do the 2026 limits take effect?
HHS published the 2026 poverty guidelines on January 15, 2026. Most states adopt them for Medicaid between February and April; until then the previous year's figures may still be used.

Sources

Limits are calculated from the federal poverty guidelines using the percentage Hawaii applies to each group, and rounded to the nearest dollar. Your state agency makes the final determination.