Maryland Medicare Savings Programs 2026: QMB, SLMB, QI Limits
Medicare Savings Programs (MSPs) use Maryland Medicaid (HealthChoice) funds to pay Medicare premiums and, for QMB, deductibles and copays. In 2026, a single person in Maryland can qualify for QI with income up to $1,796 a month, and for QMB up to $1,330.
| Program | Individual | Couple | Assets (ind. / couple) | Pays |
|---|---|---|---|---|
| QMB 100% of FPL | $1,330 | $1,803 | $9,660 / $14,470 | Part A & B premiums, deductibles, coinsurance, copays |
| SLMB 120% of FPL | $1,596 | $2,164 | $9,660 / $14,470 | Part B premium |
| QI 135% of FPL | $1,796 | $2,435 | $9,660 / $14,470 | Part B premium |
A $20 general income disregard is applied before comparing to the limit in most states, so you can be slightly over and still qualify. Figures use 2026 poverty guidelines.
What each program covers
- QMB is the most valuable: providers cannot bill you for Medicare deductibles or coinsurance, and the Part B premium is paid for you.
- SLMB and QI pay only the Part B premium (about $185/month in 2025), which is added back to your Social Security check. QI is funded annually and served first-come, first-served.
- All three automatically qualify you for Extra Help with Part D drug costs.
How to apply
Apply through the Maryland Department of Health, not through Medicare. You can apply at the same time as full Medicaid; if you are over the Medicaid limit but under the MSP limit you get the MSP only.
Frequently asked questions
What is the QMB income limit in Maryland for 2026?
What is the difference between QMB and SLMB?
Is there an asset limit for Medicare Savings Programs in Maryland?
Can I get an MSP if I already have Medicare Advantage?
Sources
- HHS Poverty Guidelines 2026 (ASPE)
- Maryland Department of Health
- Medicaid.gov eligibility levels by state
Limits are calculated from the federal poverty guidelines using the percentage Maryland applies to each group, and rounded to the nearest dollar. Your state agency makes the final determination.