Texas Medicaid · Updated August 22, 2026

Texas Medicaid Income Limits 2026

Income Limits Eligibility Asset Limits How to Apply Renewal Medicare Savings Programs Seniors & Long-Term Care

Because Texas is one of the states that did not adopt the ACA Medicaid expansion, Texas Medicaid does not cover most working-age adults. In 2026, parents qualify at roughly $364 a month for a parent in a family of three, while coverage for children and pregnant women reaches much higher incomes.

Single adult (19–64)Not availableper month

Family of 4 (adults)Not availableper month

Child, family of 4$5,500per month

Pregnant, family of 2$3,607per month

Texas has not expanded Medicaid. Adults without dependent children cannot qualify for Texas Medicaid on income alone. Parents and caretakers qualify only at 16% of FPL. Children, pregnant women, seniors and people with disabilities use the limits below.

Texas Medicaid income limits for parents and caretakers 2026 (16% of FPL)
Household size	Monthly income limit	Annual income limit
1 person	$213	$2,554
2 people	$289	$3,462
3 people	$364	$4,371
4 people	$440	$5,280
5 people	$516	$6,189
6 people	$591	$7,098
7 people	$667	$8,006
8 people	$743	$8,915

Each additional person adds $76 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

Pays Part A & B premiums, deductibles, coinsurance

How Texas counts income

Texas 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 Texas 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 (in non-expansion states, the floor is 100% FPL).
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 Texas for a single person in 2026?

There is no income limit that lets a single, non-disabled adult under 65 without children qualify in Texas, because the state has not expanded Medicaid. A single parent qualifies only up to about $289 per month (family of two); seniors and disabled adults qualify up to $1,330 per month plus an asset test.

What is the Medicaid income limit in Texas for a family of 4?

Parents in a family of four qualify only up to about $440 per month in 2026. Children in the same household qualify up to $5,500 per month, so the children are often covered even when the parents are not.

Does Texas Medicaid count gross or net income?

Texas 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 Texas Medicaid?

Asset limits apply to seniors and people with disabilities; MAGI groups (children, pregnant women, parents) have no asset test.

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 Texas applies to each group, and rounded to the nearest dollar. Your state agency makes the final determination.