Alabama Medicaid Income Limits 2026: Chart by Household Size & Family of 4
Quick answer: most Alabama adults qualify with household income up to $239/month (single) — 18% of the 2026 federal poverty guidelines. Children and pregnant women qualify at much higher levels. The chart below lists the Alabama Medicaid income requirements and guidelines for 2026 — all effective cutoffs including the 5% MAGI disregard, computed from the official 2026 FPL table (ASPE / Federal Register). State standards are from the CMS national eligibility table, as of 2023-12-01.
Verification: All figures come from the CMS national eligibility table (2023-12-01 snapshot).
Children 0-18 (Medicaid) — 2026 income limits
146% FPL effectiveChildren 0-18 (Medicaid) income limits 2026: 146% of the federal poverty level — about $1,942/month for a household of 1 and $4,015/month for a family of 4.
| Household | Family of 1 | Family of 2 | Family of 3 | Family of 4 | Family of 5 | Family of 6 | Family of 7 | Family of 8 |
|---|---|---|---|---|---|---|---|---|
| Monthly income limit | $1,942 | $2,633 | $3,324 | $4,015 | $4,706 | $5,397 | $6,088 | $6,779 |
Base standard 141% FPL + 5% MAGI disregard = 146% effective. Larger households: add roughly $691/month per additional person.
Medicaid coverage for children (the children's program is branded ALL Kids, also written as AllKids). No premiums and no asset test.
Pregnant women — 2026 income limits
146% FPL effectivePregnant women income limits 2026: 146% of the federal poverty level — about $1,942/month for a household of 1 and $4,015/month for a family of 4.
| Household | Family of 1 | Family of 2 | Family of 3 | Family of 4 | Family of 5 | Family of 6 | Family of 7 | Family of 8 |
|---|---|---|---|---|---|---|---|---|
| Monthly income limit | $1,942 | $2,633 | $3,324 | $4,015 | $4,706 | $5,397 | $6,088 | $6,779 |
Base standard 141% FPL + 5% MAGI disregard = 146% effective. Larger households: add roughly $691/month per additional person.
Count the expected child(ren) in household size. Federal law guarantees 12 months of postpartum coverage. No asset test.
Children (separate CHIP — ALL Kids) — 2026 income limits
317% FPL effectiveChildren (separate CHIP — ALL Kids) income limits 2026: 317% of the federal poverty level — about $4,216/month for a household of 1 and $8,718/month for a family of 4.
| Household | Family of 1 | Family of 2 | Family of 3 | Family of 4 | Family of 5 | Family of 6 | Family of 7 | Family of 8 |
|---|---|---|---|---|---|---|---|---|
| Monthly income limit | $4,216 | $5,717 | $7,217 | $8,718 | $10,218 | $11,718 | $13,219 | $14,719 |
Base standard 312% FPL + 5% MAGI disregard = 317% effective. Larger households: add roughly $1,500/month per additional person.
Separate CHIP coverage for uninsured children above the Medicaid children's ceiling, under the ALL Kids name. Benefits match Medicaid; small copays may apply for some services.
Parents & caretaker relatives — 2026 income limits
18% FPL effectiveParents & caretaker relatives income limits 2026: 18% of the federal poverty level — about $239/month for a household of 1 and $495/month for a family of 4.
| Household | Family of 1 | Family of 2 | Family of 3 | Family of 4 | Family of 5 | Family of 6 | Family of 7 | Family of 8 |
|---|---|---|---|---|---|---|---|---|
| Monthly income limit | $239 | $325 | $410 | $495 | $580 | $665 | $751 | $836 |
Base standard 13% FPL + 5% MAGI disregard = 18% effective. Larger households: add roughly $85/month per additional person.
The parents and caretaker relatives category — the operative adult income limit in Alabama, which has not expanded Medicaid. Childless adults are not covered at any income.
Alabama publishes MAGI standards as a percent of FPL and applies the federal 5-percentage-point income disregard when it makes someone eligible, so each group has a base standard and a slightly higher effective cutoff. The tables below show the effective figures in dollars, computed from the official 2026 federal poverty guidelines.
MAGI household size follows federal tax-filing relationships, not who lives under your roof - and a pregnant applicant counts the expected child(ren).
Alabama Medicaid income limits 2025 (prior year)
If you are checking last year's figures — for example alabama medicaid income limits 2025 — here is the 2025 table, computed from the 2025 federal poverty guidelines ($15,650/year for a household of one, published January 2025). Official HHS 2025 Poverty Guidelines (48 contiguous states and DC): first person $15,650, each additional person +$5,500, four-person family $32,150, published January 2025 in the Federal Register. States adopt each year's guidelines into their MAGI income standards early in the year, so 2025 figures applied to most determinations during 2025 and into early 2026.
| Coverage group | Family of 1 | Family of 2 | Family of 3 | Family of 4 | Family of 5 |
|---|---|---|---|---|---|
| Children 0-18 (Medicaid) | $1,904 | $2,573 | $3,242 | $3,912 | $4,581 |
| Pregnant women | $1,904 | $2,573 | $3,242 | $3,912 | $4,581 |
| Children (separate CHIP — ALL Kids) | $4,134 | $5,587 | $7,040 | $8,493 | $9,946 |
| Parents & caretaker relatives | $235 | $317 | $400 | $482 | $565 |
For anything decided today, use the 2026 tables above — those are the figures Alabama Medicaid Agency applies now.
Frequently asked questions
What is the Alabama Medicaid income limit in 2026?
It depends on the coverage group. most Alabama adults qualify with household income up to $239/month (single) — 18% of the 2026 federal poverty guidelines. Children and pregnant women qualify at much higher levels.
What is the Alabama Medicaid income limit for a family of 2?
Parents & caretaker relatives — 18% of the federal poverty level, about $325/month for a family of 2 in 2026. The parents and caretaker relatives category — the operative adult income limit in Alabama, which has not expanded Medicaid. Childless adults are not covered at any income.
What is the Alabama Medicaid income limit for a family of 3?
Parents & caretaker relatives — 18% of the federal poverty level, about $410/month for a family of 3 in 2026. The parents and caretaker relatives category — the operative adult income limit in Alabama, which has not expanded Medicaid. Childless adults are not covered at any income.
What is the Alabama Medicaid income limit for a family of 4?
Parents & caretaker relatives — 18% of the federal poverty level, about $495/month for a family of 4 in 2026. The parents and caretaker relatives category — the operative adult income limit in Alabama, which has not expanded Medicaid. Childless adults are not covered at any income.
What is the Alabama Medicaid income limit for a family of 5?
Parents & caretaker relatives — 18% of the federal poverty level, about $580/month for a family of 5 in 2026. The parents and caretaker relatives category — the operative adult income limit in Alabama, which has not expanded Medicaid. Childless adults are not covered at any income.
What income is too high for Medicaid in Alabama?
There is no single number — every coverage group has its own ceiling. In Alabama, adults have no expansion ceiling; the parents and caretakers standard runs to roughly 18% FPL. Children and pregnant women stay covered at much higher levels: children to 146% FPL and pregnant women to 146% FPL.
What is the income limit for Children 0-18 in Alabama?
Children 0-18 (Medicaid): 146% of the federal poverty level, about $1,942/month for a household of one. Medicaid coverage for children (the children's program is branded ALL Kids, also written as AllKids). No premiums and no asset test.
What is the income limit for Pregnant women in Alabama?
Pregnant women: 146% of the federal poverty level, about $1,942/month for a household of one. Count the expected child(ren) in household size. Federal law guarantees 12 months of postpartum coverage. No asset test.
What is the income limit for Children in Alabama?
Children (separate CHIP — ALL Kids): 317% of the federal poverty level, about $4,216/month for a household of one. Separate CHIP coverage for uninsured children above the Medicaid children's ceiling, under the ALL Kids name. Benefits match Medicaid; small copays may apply for some services.
What is the income limit for Parents & caretaker relatives in Alabama?
Parents & caretaker relatives: 18% of the federal poverty level, about $239/month for a household of one. The parents and caretaker relatives category — the operative adult income limit in Alabama, which has not expanded Medicaid. Childless adults are not covered at any income.
What are the Alabama Medicaid income limits for seniors (65 and older)?
The limits above are MAGI standards for children, pregnant women, parents and adults under 65. People 65 or older (and people with disabilities of any age) qualify under separate non-MAGI categories with their own dollar limits, which can include an asset test. Alabama Medicaid Agency publishes those figures and makes the final determination.
What were the Alabama Medicaid income limits in 2025?
Alabama's eligibility categories and percentages are set in state regulation and did not change between 2025 and 2026 — only the federal poverty guidelines did. Under the 2025 guidelines ($15,650/year for a household of one, published January 2025), the Parents & caretaker relatives group meant about $235/month for one and $482/month for a family of 4. The full 2025 table is below; use the 2026 table above for current determinations.
Sources
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Reviewed by Gavin YE, Technical Director, ClearRules Labs.
Page last reviewed 2026-09-21