{
  "title": "Medicare Savings Programs 2026: QMB, SLMB and QI Income Limits",
  "canonical": "https://quantcalc.app/medicare-savings-programs-2026/",
  "status": "OFFICIAL",
  "license": "CC-BY-4.0",
  "date_modified": "2026-10-11",
  "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.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
      "label": "CMS, 2026 Medicare Parts A & B Premiums and Deductibles (released 14 November 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)"
    },
    {
      "url": "https://www.law.cornell.edu/cfr/text/20/416.1112",
      "label": "20 CFR §416.1112(c)"
    },
    {
      "url": "https://www.law.cornell.edu/cfr/text/20/416.1205",
      "label": "20 CFR §416.1205"
    },
    {
      "url": "https://secure.ssa.gov/poms.nsf/lnx/0600815023",
      "label": "SSA POMS HI 00815.023, Medicare Savings Programs income limits (2026)"
    },
    {
      "url": "https://www.law.cornell.edu/cfr/text/20/416.1210",
      "label": "20 CFR §416.1210"
    },
    {
      "url": "https://www.medicare.gov/basics/costs/help/drug-costs",
      "label": "Medicare.gov, Help with drug costs"
    },
    {
      "url": "https://secure.ssa.gov/poms.nsf/lnx/0603001005",
      "label": "SSA POMS HI 03001.005"
    },
    {
      "url": "https://www.ssa.gov/medicare/part-d-extra-help",
      "label": "SSA, Apply for Extra Help"
    },
    {
      "url": "https://www.cms.gov/medicare/medicaid-coordination/about/qualified-medicare-beneficiary-program",
      "label": "CMS, Qualified Medicare Beneficiary Program"
    },
    {
      "url": "https://www.medicaid.gov/about-us/where-can-people-get-help-medicaid-chip",
      "label": "Medicaid.gov, where to get help with Medicaid in your state"
    },
    {
      "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"
    },
    {
      "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"
    },
    {
      "url": "https://www.dhcs.ca.gov/individuals/Pages/Medicare-Savings-Programs-in-California.aspx",
      "label": "DHCS, Medicare Savings Programs in California"
    },
    {
      "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"
    },
    {
      "url": "https://dhss.delaware.gov/dmma/home/qmb/",
      "label": "Delaware DMMA, Qualified Medicare Beneficiary"
    },
    {
      "url": "https://dhcf.dc.gov/node/892452",
      "label": "DC Department of Health Care Finance"
    },
    {
      "url": "https://www.dhs.state.il.us/page.aspx?item=16387",
      "label": "Illinois DHS Policy Manual PM 15-04-03-a"
    },
    {
      "url": "https://www.in.gov/dA/a7e1fb7d7d/Medicaid_PM_3000.pdf?language_id=1",
      "label": "Indiana Health Coverage Program Policy Manual, chapter 3000"
    },
    {
      "url": "https://www.ldh.la.gov/index.cfm/page/236",
      "label": "Louisiana Department of Health, Medicare Savings Programs"
    },
    {
      "url": "https://legislature.maine.gov/legis/statutes/22/title22sec3174-LLL.html",
      "label": "22 M.R.S. §3174-LLL"
    },
    {
      "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"
    },
    {
      "url": "https://www.revisor.mn.gov/statutes/cite/256B.057",
      "label": "Minn. Stat. §256B.057, subd. 3"
    },
    {
      "url": "https://www.sos.ms.gov/adminsearch/ACCode/00000278c.pdf",
      "label": "Miss. Admin. Code Title 23, Part 104, Rule 4.2"
    },
    {
      "url": "https://medicaid.gov/medicaid/spa/downloads/NM-20-0016",
      "label": "CMS approval of New Mexico state plan amendment NM-20-0016"
    },
    {
      "url": "https://aging.ny.gov/hiicap-notebook-medicare-savings-programs",
      "label": "NYS Office for the Aging, HIICAP Notebook 2026: Medicare Savings Programs"
    },
    {
      "url": "https://www.oregon.gov/odhs/aging-disability-services/Pages/medicare-savings-programs.aspx",
      "label": "Oregon ODHS, Medicare Savings Programs"
    },
    {
      "url": "https://eohhs.ri.gov/Consumer/ProgramsServices/MedicarePremiumPaymentProgram.aspx",
      "label": "Rhode Island EOHHS, Medicare Premium Payment Program"
    },
    {
      "url": "https://app.leg.wa.gov/WAC/default.aspx?cite=182-517-0100",
      "label": "WAC 182-517-0100"
    }
  ],
  "figures": {
    "cms_check": [
      {
        "prog": "QMB",
        "who": "individual",
        "cms": 1350,
        "derived": 1350,
        "exact": 1350
      },
      {
        "prog": "QMB",
        "who": "couple",
        "cms": 1824,
        "derived": 1824,
        "exact": 1823.333333333333
      },
      {
        "prog": "SLMB",
        "who": "individual",
        "cms": 1616,
        "derived": 1616,
        "exact": 1616
      },
      {
        "prog": "SLMB",
        "who": "couple",
        "cms": 2184,
        "derived": 2184,
        "exact": 2184
      },
      {
        "prog": "QI",
        "who": "individual",
        "cms": 1816,
        "derived": 1816,
        "exact": 1815.5
      },
      {
        "prog": "QI",
        "who": "couple",
        "cms": 2455,
        "derived": 2455,
        "exact": 2454.5
      },
      {
        "prog": "QDWI",
        "who": "individual",
        "cms": 5405,
        "derived": 5405,
        "exact": 5405
      },
      {
        "prog": "QDWI",
        "who": "couple",
        "cms": 7299,
        "derived": 7299,
        "exact": 7298.333333333332
      }
    ],
    "resources": {
      "individual": 9950,
      "couple": 14910
    },
    "qdwi_resources": {
      "individual": 4000,
      "couple": 6000
    },
    "part_b_premium": 202.9,
    "part_b_deductible": 283,
    "part_a_premium": {
      "full": 565,
      "reduced": 311
    },
    "part_a_deductible": 1736,
    "part_a_coinsurance_61_90": 434,
    "part_a_lifetime_reserve": 868,
    "snf_21_100": 217,
    "limits": [
      {
        "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",
        "rule": "No resource test for QMB, SLMB or QI; federal income limits.",
        "sources": [
          "https://medicaid.alabama.gov/documents/3.0_Apply/3.2_Qualifying_Medicaid/3.2_Medicaid_Income_Limits_2026_3-11-26.pdf"
        ]
      },
      {
        "state": "Arizona",
        "rule": "No resource test: all resources are excluded for QMB, SLMB and QI.",
        "sources": [
          "https://www.azahcccs.gov/Resources/Downloads/StatePlans/Section2/SP_2.6-A-8b.pdf"
        ]
      },
      {
        "state": "California",
        "rule": "Higher resource limit from January 1, 2026: $130,000 for an individual and $65,000 for each additional household member; federal income limits.",
        "sources": [
          "https://www.dhcs.ca.gov/individuals/Pages/Medicare-Savings-Programs-in-California.aspx"
        ]
      },
      {
        "state": "Connecticut",
        "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).",
        "sources": [
          "https://www.cga.ct.gov/current/pub/chap_319v.htm#sec_17b-256f",
          "https://portal.ct.gov/dss/knowledge-base/articles/healthcare-coverage/almb"
        ]
      },
      {
        "state": "Delaware",
        "rule": "No asset test for QMB (assets are not considered); federal income limits.",
        "sources": [
          "https://dhss.delaware.gov/dmma/home/qmb/"
        ]
      },
      {
        "state": "District of Columbia",
        "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.",
        "sources": [
          "https://dhcf.dc.gov/node/892452"
        ]
      },
      {
        "state": "Illinois",
        "rule": "$25 of income disregarded instead of the federal $20; federal income percentages and resource limits.",
        "sources": [
          "https://www.dhs.state.il.us/page.aspx?item=16387"
        ]
      },
      {
        "state": "Indiana",
        "rule": "Higher income limits from March 1, 2026: QMB 150%, SLMB 170% and QI 185% of the poverty line; federal resource limits.",
        "sources": [
          "https://www.in.gov/dA/a7e1fb7d7d/Medicaid_PM_3000.pdf?language_id=1"
        ]
      },
      {
        "state": "Louisiana",
        "rule": "No resource test for QMB, SLMB or QI.",
        "sources": [
          "https://www.ldh.la.gov/index.cfm/page/236"
        ]
      },
      {
        "state": "Maine",
        "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.",
        "sources": [
          "https://legislature.maine.gov/legis/statutes/22/title22sec3174-LLL.html"
        ]
      },
      {
        "state": "Massachusetts",
        "rule": "No asset test. QMB up to 190% of the poverty line; SLMB and QI above 190% up to 225%.",
        "sources": [
          "https://www.mass.gov/doc/medicare-savings-program-msp-faqs/download",
          "https://www.mass.gov/info-details/get-help-paying-medicare-costs"
        ]
      },
      {
        "state": "Minnesota",
        "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.",
        "sources": [
          "https://www.revisor.mn.gov/statutes/cite/256B.057"
        ]
      },
      {
        "state": "Mississippi",
        "rule": "$50 general income exclusion instead of the federal $20.",
        "sources": [
          "https://www.sos.ms.gov/adminsearch/ACCode/00000278c.pdf"
        ]
      },
      {
        "state": "New Mexico",
        "rule": "No resource test for QMB, SLMB or QI since January 1, 2021.",
        "sources": [
          "https://medicaid.gov/medicaid/spa/downloads/NM-20-0016"
        ]
      },
      {
        "state": "New York",
        "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.",
        "sources": [
          "https://aging.ny.gov/hiicap-notebook-medicare-savings-programs"
        ]
      },
      {
        "state": "Oregon",
        "rule": "No asset limit for QMB, SLMB or QI; federal income percentages.",
        "sources": [
          "https://www.oregon.gov/odhs/aging-disability-services/Pages/medicare-savings-programs.aspx"
        ]
      },
      {
        "state": "Rhode Island",
        "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.",
        "sources": [
          "https://eohhs.ri.gov/Consumer/ProgramsServices/MedicarePremiumPaymentProgram.aspx"
        ]
      },
      {
        "state": "Washington",
        "rule": "No resource test. QMB up to 110% of the poverty line, SLMB over 110% up to 120%, QI over 120% up to 138%.",
        "sources": [
          "https://app.leg.wa.gov/WAC/default.aspx?cite=182-517-0100"
        ]
      }
    ]
  }
}