{
  "version": "2026.1",
  "generated_at": "2026-10-11T00:00:00.000Z",
  "title": "Medicare Savings Program income and resource limits, 2026 (federal baseline)",
  "canonical": "https://quantcalc.app/data/medicare-savings-program-limits-2026/",
  "license": "CC-BY-4.0",
  "date_modified": "2026-10-11",
  "method": "income_limit_monthly = poverty_guideline_annual / 12 * poverty_line_pct / 100 + 20 (the SSI general income exclusion), rounded to the nearest dollar; equal to the CMS-published 2026 figures for the 48 states and DC.",
  "notes": "Federal baseline. States may use more generous income or resource rules; see https://quantcalc.app/medicare-savings-programs-2026/ for the states with an official source. QDWI resource limit is twice the SSI limit.",
  "sources": [
    {
      "url": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "label": "Medicare.gov, Medicare Savings Programs (2026 limits)"
    },
    {
      "url": "https://www.medicaid.gov/federal-policy-guidance/downloads/cib12092025.pdf",
      "label": "CMS Informational Bulletin, 2026 SSI, Spousal Impoverishment and Medicare Savings Program Resource Standards (December 9, 2025)"
    },
    {
      "url": "https://www.govinfo.gov/content/pkg/FR-2026-01-15/pdf/2026-00755.pdf",
      "label": "HHS 2026 poverty guidelines, 91 FR 1797 (January 15, 2026)"
    },
    {
      "url": "https://www.law.cornell.edu/uscode/text/42/1396d",
      "label": "42 U.S.C. §1396d(p), (s)"
    },
    {
      "url": "https://www.law.cornell.edu/uscode/text/42/1396a",
      "label": "42 U.S.C. §1396a(a)(10)(E)"
    },
    {
      "url": "https://www.law.cornell.edu/cfr/text/20/416.1124",
      "label": "20 CFR §416.1124(c)(12)"
    }
  ],
  "rows": [
    {
      "program": "QMB",
      "region": "US48_DC",
      "household": "individual",
      "poverty_line_pct": 100,
      "poverty_guideline_annual": 15960,
      "countable_income_limit_monthly": 1330,
      "income_limit_monthly_exact": 1350,
      "income_limit_monthly": 1350,
      "resource_limit": 9950
    },
    {
      "program": "QMB",
      "region": "US48_DC",
      "household": "couple",
      "poverty_line_pct": 100,
      "poverty_guideline_annual": 21640,
      "countable_income_limit_monthly": 1803.33,
      "income_limit_monthly_exact": 1823.33,
      "income_limit_monthly": 1824,
      "resource_limit": 14910
    },
    {
      "program": "QMB",
      "region": "AK",
      "household": "individual",
      "poverty_line_pct": 100,
      "poverty_guideline_annual": 19950,
      "countable_income_limit_monthly": 1662.5,
      "income_limit_monthly_exact": 1682.5,
      "income_limit_monthly": 1683,
      "resource_limit": 9950
    },
    {
      "program": "QMB",
      "region": "AK",
      "household": "couple",
      "poverty_line_pct": 100,
      "poverty_guideline_annual": 27050,
      "countable_income_limit_monthly": 2254.17,
      "income_limit_monthly_exact": 2274.17,
      "income_limit_monthly": 2275,
      "resource_limit": 14910
    },
    {
      "program": "QMB",
      "region": "HI",
      "household": "individual",
      "poverty_line_pct": 100,
      "poverty_guideline_annual": 18360,
      "countable_income_limit_monthly": 1530,
      "income_limit_monthly_exact": 1550,
      "income_limit_monthly": 1550,
      "resource_limit": 9950
    },
    {
      "program": "QMB",
      "region": "HI",
      "household": "couple",
      "poverty_line_pct": 100,
      "poverty_guideline_annual": 24890,
      "countable_income_limit_monthly": 2074.17,
      "income_limit_monthly_exact": 2094.17,
      "income_limit_monthly": 2095,
      "resource_limit": 14910
    },
    {
      "program": "SLMB",
      "region": "US48_DC",
      "household": "individual",
      "poverty_line_pct": 120,
      "poverty_guideline_annual": 15960,
      "countable_income_limit_monthly": 1596,
      "income_limit_monthly_exact": 1616,
      "income_limit_monthly": 1616,
      "resource_limit": 9950
    },
    {
      "program": "SLMB",
      "region": "US48_DC",
      "household": "couple",
      "poverty_line_pct": 120,
      "poverty_guideline_annual": 21640,
      "countable_income_limit_monthly": 2164,
      "income_limit_monthly_exact": 2184,
      "income_limit_monthly": 2184,
      "resource_limit": 14910
    },
    {
      "program": "SLMB",
      "region": "AK",
      "household": "individual",
      "poverty_line_pct": 120,
      "poverty_guideline_annual": 19950,
      "countable_income_limit_monthly": 1995,
      "income_limit_monthly_exact": 2015,
      "income_limit_monthly": 2015,
      "resource_limit": 9950
    },
    {
      "program": "SLMB",
      "region": "AK",
      "household": "couple",
      "poverty_line_pct": 120,
      "poverty_guideline_annual": 27050,
      "countable_income_limit_monthly": 2705,
      "income_limit_monthly_exact": 2725,
      "income_limit_monthly": 2725,
      "resource_limit": 14910
    },
    {
      "program": "SLMB",
      "region": "HI",
      "household": "individual",
      "poverty_line_pct": 120,
      "poverty_guideline_annual": 18360,
      "countable_income_limit_monthly": 1836,
      "income_limit_monthly_exact": 1856,
      "income_limit_monthly": 1856,
      "resource_limit": 9950
    },
    {
      "program": "SLMB",
      "region": "HI",
      "household": "couple",
      "poverty_line_pct": 120,
      "poverty_guideline_annual": 24890,
      "countable_income_limit_monthly": 2489,
      "income_limit_monthly_exact": 2509,
      "income_limit_monthly": 2509,
      "resource_limit": 14910
    },
    {
      "program": "QI",
      "region": "US48_DC",
      "household": "individual",
      "poverty_line_pct": 135,
      "poverty_guideline_annual": 15960,
      "countable_income_limit_monthly": 1795.5,
      "income_limit_monthly_exact": 1815.5,
      "income_limit_monthly": 1816,
      "resource_limit": 9950
    },
    {
      "program": "QI",
      "region": "US48_DC",
      "household": "couple",
      "poverty_line_pct": 135,
      "poverty_guideline_annual": 21640,
      "countable_income_limit_monthly": 2434.5,
      "income_limit_monthly_exact": 2454.5,
      "income_limit_monthly": 2455,
      "resource_limit": 14910
    },
    {
      "program": "QI",
      "region": "AK",
      "household": "individual",
      "poverty_line_pct": 135,
      "poverty_guideline_annual": 19950,
      "countable_income_limit_monthly": 2244.38,
      "income_limit_monthly_exact": 2264.38,
      "income_limit_monthly": 2265,
      "resource_limit": 9950
    },
    {
      "program": "QI",
      "region": "AK",
      "household": "couple",
      "poverty_line_pct": 135,
      "poverty_guideline_annual": 27050,
      "countable_income_limit_monthly": 3043.13,
      "income_limit_monthly_exact": 3063.13,
      "income_limit_monthly": 3064,
      "resource_limit": 14910
    },
    {
      "program": "QI",
      "region": "HI",
      "household": "individual",
      "poverty_line_pct": 135,
      "poverty_guideline_annual": 18360,
      "countable_income_limit_monthly": 2065.5,
      "income_limit_monthly_exact": 2085.5,
      "income_limit_monthly": 2086,
      "resource_limit": 9950
    },
    {
      "program": "QI",
      "region": "HI",
      "household": "couple",
      "poverty_line_pct": 135,
      "poverty_guideline_annual": 24890,
      "countable_income_limit_monthly": 2800.13,
      "income_limit_monthly_exact": 2820.13,
      "income_limit_monthly": 2821,
      "resource_limit": 14910
    },
    {
      "program": "QDWI",
      "region": "US48_DC",
      "household": "individual",
      "poverty_line_pct": 200,
      "poverty_guideline_annual": 15960,
      "countable_income_limit_monthly": 2660,
      "income_limit_monthly_exact": 5405,
      "income_limit_monthly": 5405,
      "resource_limit": 4000
    },
    {
      "program": "QDWI",
      "region": "US48_DC",
      "household": "couple",
      "poverty_line_pct": 200,
      "poverty_guideline_annual": 21640,
      "countable_income_limit_monthly": 3606.67,
      "income_limit_monthly_exact": 7298.33,
      "income_limit_monthly": 7299,
      "resource_limit": 6000
    },
    {
      "program": "QDWI",
      "region": "AK",
      "household": "individual",
      "poverty_line_pct": 200,
      "poverty_guideline_annual": 19950,
      "countable_income_limit_monthly": 3325,
      "income_limit_monthly_exact": 6735,
      "income_limit_monthly": 6735,
      "resource_limit": 4000
    },
    {
      "program": "QDWI",
      "region": "AK",
      "household": "couple",
      "poverty_line_pct": 200,
      "poverty_guideline_annual": 27050,
      "countable_income_limit_monthly": 4508.33,
      "income_limit_monthly_exact": 9101.67,
      "income_limit_monthly": 9102,
      "resource_limit": 6000
    },
    {
      "program": "QDWI",
      "region": "HI",
      "household": "individual",
      "poverty_line_pct": 200,
      "poverty_guideline_annual": 18360,
      "countable_income_limit_monthly": 3060,
      "income_limit_monthly_exact": 6205,
      "income_limit_monthly": 6205,
      "resource_limit": 4000
    },
    {
      "program": "QDWI",
      "region": "HI",
      "household": "couple",
      "poverty_line_pct": 200,
      "poverty_guideline_annual": 24890,
      "countable_income_limit_monthly": 4148.33,
      "income_limit_monthly_exact": 8381.67,
      "income_limit_monthly": 8382,
      "resource_limit": 6000
    }
  ],
  "state_rules": [
    {
      "state": "Alabama",
      "code": "AL",
      "rule": "No resource test for QMB, SLMB or QI; federal income limits.",
      "no_asset_test": true,
      "sources": [
        {
          "url": "https://medicaid.alabama.gov/documents/3.0_Apply/3.2_Qualifying_Medicaid/3.2_Medicaid_Income_Limits_2026_3-11-26.pdf",
          "label": "Alabama Medicaid, Medicaid Income Limits for 2026"
        }
      ]
    },
    {
      "state": "Arizona",
      "code": "AZ",
      "rule": "No resource test: all resources are excluded for QMB, SLMB and QI.",
      "no_asset_test": true,
      "sources": [
        {
          "url": "https://www.azahcccs.gov/Resources/Downloads/StatePlans/Section2/SP_2.6-A-8b.pdf",
          "label": "AHCCCS State Plan, Supplement 8b to Attachment 2.6-A"
        }
      ]
    },
    {
      "state": "California",
      "code": "CA",
      "rule": "Higher resource limit from January 1, 2026: $130,000 for an individual and $65,000 for each additional household member; federal income limits.",
      "no_asset_test": false,
      "sources": [
        {
          "url": "https://www.dhcs.ca.gov/individuals/Pages/Medicare-Savings-Programs-in-California.aspx",
          "label": "DHCS, Medicare Savings Programs in California"
        }
      ]
    },
    {
      "state": "Connecticut",
      "code": "CT",
      "rule": "No asset test. Income disregards let income under 211% of the poverty line qualify for QMB, 211% to under 231% for SLMB and 231% to under 246% for the third tier (ALMB, subject to available funding).",
      "no_asset_test": true,
      "sources": [
        {
          "url": "https://www.cga.ct.gov/current/pub/chap_319v.htm#sec_17b-256f",
          "label": "Conn. Gen. Stat. §17b-256f"
        },
        {
          "url": "https://portal.ct.gov/dss/knowledge-base/articles/healthcare-coverage/almb",
          "label": "Connecticut DSS, ALMB"
        }
      ]
    },
    {
      "state": "Delaware",
      "code": "DE",
      "rule": "No asset test for QMB (assets are not considered); federal income limits.",
      "no_asset_test": false,
      "sources": [
        {
          "url": "https://dhss.delaware.gov/dmma/home/qmb/",
          "label": "Delaware DMMA, Qualified Medicare Beneficiary"
        }
      ]
    },
    {
      "state": "District of Columbia",
      "code": "DC",
      "rule": "Income up to 300% of the poverty line: $4,010 a month for one person and $5,430 for two in 2026, including the $20 disregard.",
      "no_asset_test": false,
      "sources": [
        {
          "url": "https://dhcf.dc.gov/node/892452",
          "label": "DC Department of Health Care Finance"
        }
      ]
    },
    {
      "state": "Illinois",
      "code": "IL",
      "rule": "$25 of income disregarded instead of the federal $20; federal income percentages and resource limits.",
      "no_asset_test": false,
      "sources": [
        {
          "url": "https://www.dhs.state.il.us/page.aspx?item=16387",
          "label": "Illinois DHS Policy Manual PM 15-04-03-a"
        }
      ]
    },
    {
      "state": "Indiana",
      "code": "IN",
      "rule": "Higher income limits from March 1, 2026: QMB 150%, SLMB 170% and QI 185% of the poverty line; federal resource limits.",
      "no_asset_test": false,
      "sources": [
        {
          "url": "https://www.in.gov/dA/a7e1fb7d7d/Medicaid_PM_3000.pdf?language_id=1",
          "label": "Indiana Health Coverage Program Policy Manual, chapter 3000"
        }
      ]
    },
    {
      "state": "Louisiana",
      "code": "LA",
      "rule": "No resource test for QMB, SLMB or QI.",
      "no_asset_test": true,
      "sources": [
        {
          "url": "https://www.ldh.la.gov/index.cfm/page/236",
          "label": "Louisiana Department of Health, Medicare Savings Programs"
        }
      ]
    },
    {
      "state": "Maine",
      "code": "ME",
      "rule": "No asset test. Income disregards let income up to 185% of the poverty line qualify for QMB, and over 185% up to 250% for QI.",
      "no_asset_test": true,
      "sources": [
        {
          "url": "https://legislature.maine.gov/legis/statutes/22/title22sec3174-LLL.html",
          "label": "22 M.R.S. §3174-LLL"
        }
      ]
    },
    {
      "state": "Massachusetts",
      "code": "MA",
      "rule": "No asset test. QMB up to 190% of the poverty line; SLMB and QI above 190% up to 225%.",
      "no_asset_test": true,
      "sources": [
        {
          "url": "https://www.mass.gov/doc/medicare-savings-program-msp-faqs/download",
          "label": "MassHealth, Medicare Savings Program FAQs"
        },
        {
          "url": "https://www.mass.gov/info-details/get-help-paying-medicare-costs",
          "label": "Mass.gov, Get help paying Medicare costs"
        }
      ]
    },
    {
      "state": "Minnesota",
      "code": "MN",
      "rule": "Higher resource limit: $10,000 for an individual and $18,000 for a couple (or the Extra Help limit if higher); federal income limits.",
      "no_asset_test": false,
      "sources": [
        {
          "url": "https://www.revisor.mn.gov/statutes/cite/256B.057",
          "label": "Minn. Stat. §256B.057, subd. 3"
        }
      ]
    },
    {
      "state": "Mississippi",
      "code": "MS",
      "rule": "$50 general income exclusion instead of the federal $20.",
      "no_asset_test": false,
      "sources": [
        {
          "url": "https://www.sos.ms.gov/adminsearch/ACCode/00000278c.pdf",
          "label": "Miss. Admin. Code Title 23, Part 104, Rule 4.2"
        }
      ]
    },
    {
      "state": "New Mexico",
      "code": "NM",
      "rule": "No resource test for QMB, SLMB or QI since January 1, 2021.",
      "no_asset_test": true,
      "sources": [
        {
          "url": "https://medicaid.gov/medicaid/spa/downloads/NM-20-0016",
          "label": "CMS approval of New Mexico state plan amendment NM-20-0016"
        }
      ]
    },
    {
      "state": "New York",
      "code": "NY",
      "rule": "No asset limit. QMB up to 138% of the poverty line ($1,856 a month for an individual, $2,509 for a couple in 2026) and QI from 139% to 186% ($2,494 / $3,375); SLMB was folded into these in 2023.",
      "no_asset_test": true,
      "sources": [
        {
          "url": "https://aging.ny.gov/hiicap-notebook-medicare-savings-programs",
          "label": "NYS Office for the Aging, HIICAP Notebook 2026: Medicare Savings Programs"
        }
      ]
    },
    {
      "state": "Oregon",
      "code": "OR",
      "rule": "No asset limit for QMB, SLMB or QI; federal income percentages.",
      "no_asset_test": true,
      "sources": [
        {
          "url": "https://www.oregon.gov/odhs/aging-disability-services/Pages/medicare-savings-programs.aspx",
          "label": "Oregon ODHS, Medicare Savings Programs"
        }
      ]
    },
    {
      "state": "Rhode Island",
      "code": "RI",
      "rule": "Higher income limits from February 1, 2026: QMB $1,683 a month for an individual and $2,275 for a couple, QI $2,255 / $3,050; people who would have qualified for SLMB now qualify for QMB. Federal resource limits.",
      "no_asset_test": false,
      "sources": [
        {
          "url": "https://eohhs.ri.gov/Consumer/ProgramsServices/MedicarePremiumPaymentProgram.aspx",
          "label": "Rhode Island EOHHS, Medicare Premium Payment Program"
        }
      ]
    },
    {
      "state": "Washington",
      "code": "WA",
      "rule": "No resource test. QMB up to 110% of the poverty line, SLMB over 110% up to 120%, QI over 120% up to 138%.",
      "no_asset_test": true,
      "sources": [
        {
          "url": "https://app.leg.wa.gov/WAC/default.aspx?cite=182-517-0100",
          "label": "WAC 182-517-0100"
        }
      ]
    }
  ]
}