New York Medicaid · Updated August 22, 2026

New York Medicaid Income Limits 2026

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In 2026, a single adult in New York can qualify for New York Medicaid with income up to about $1,835 a month, and a family of four up to $3,795. Those figures are 138% of the federal poverty level, the standard used by every state that expanded Medicaid.

Single adult (19–64)$1,835per month
Family of 4 (adults)$3,795per month
Child, family of 4$5,500per month
Pregnant, family of 2$3,607per month
New York Medicaid income limits for adults 2026 (138% of FPL)
Household sizeMonthly income limitAnnual income limit
1 person$1,835$22,025
2 people$2,489$29,863
3 people$3,142$37,702
4 people$3,795$45,540
5 people$4,448$53,378
6 people$5,101$61,217
7 people$5,755$69,055
8 people$6,408$76,894

Each additional person adds $653 per month. Figures use the 2026 federal poverty guidelines and are rounded to the nearest dollar.

Income limits by eligibility group

Children (Medicaid/CHIP)

200% of FPL
1 person
$2,660/mo
2 people
$3,607/mo
4 people
$5,500/mo

Upper CHIP/Medicaid limit varies by age band; confirm

Pregnant women

200% of FPL
1 person
$2,660/mo
2 people
$3,607/mo
4 people
$5,500/mo

Confirm state limit

Seniors, blind & disabled

100% of FPL
1 person
$1,330/mo
2 people
$1,803/mo
4 people
$2,750/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
$1,330/mo
2 people
$1,803/mo
4 people
$2,750/mo

No asset test in this state

How New York counts income

New York Medicaid 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 New York 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 New York for a single person in 2026?
A single adult in New York can earn up to $1,835 per month ($22,025 per year) under the expansion group, which has no asset test.
What is the Medicaid income limit in New York for a family of 4?
For a family of four the 2026 adult limit is $3,795 per month; children in that household qualify up to $5,500 per month.
Does New York Medicaid count gross or net income?
New York Medicaid 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 New York 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 New York applies to each group, and rounded to the nearest dollar. Your state agency makes the final determination.