Montana Medicaid Income Limits 2026: Chart by Household Size & Family of 4
Quick answer: most Montana adults qualify with household income up to $1,835/month (single) — 138% of the 2026 federal poverty guidelines. Children and pregnant women qualify at much higher levels. The chart below lists the Montana 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.
Montana Medicaid is the Montana Medicaid program — children's coverage runs under HMK Plus (children). The 2026 Montana Medicaid income limits are the figures on this page, shown as both the state percentages and dollar charts by household size.
Montana Medicaid work requirement 2027: the federal work-requirement deadline for Montana is January 1, 2027. The income cutoffs on this page are the 2026 figures in effect now; see the Montana work-requirement page for hours, exemptions and the reporting timeline.
Verification: The Montana member-guide PDF host (dphhs.mt.gov) does not resolve from here.
Adults 19-64 (expansion group) — 2026 income limits
138% FPL effectiveAdults 19-64 (expansion group) income limits 2026: 138% of the federal poverty level — about $1,835/month for a household of 1 and $3,795/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 | $1,835 | $2,489 | $3,142 | $3,795 | $4,448 | $5,101 | $5,755 | $6,408 |
Base standard 133% FPL + 5% MAGI disregard = 138% effective. Larger households: add roughly $653/month per additional person.
The ACA expansion group: adults 19-64 who qualify on income alone and are not eligible in another category such as disability or pregnancy. This is the group the 2027 work requirement applies to. No asset test.
Children 0-18 (Medicaid) — 2026 income limits
148% FPL effectiveChildren 0-18 (Medicaid) income limits 2026: 148% of the federal poverty level — about $1,968/month for a household of 1 and $4,070/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 | $1,968 | $2,669 | $3,369 | $4,070 | $4,771 | $5,471 | $6,172 | $6,872 |
Base standard 143% FPL + 5% MAGI disregard = 148% effective. Larger households: add roughly $701/month per additional person.
Medicaid coverage for children. No premiums and no asset test.
Children (separate CHIP — Healthy Montana Kids) — 2026 income limits
266% FPL effectiveChildren (separate CHIP — Healthy Montana Kids) income limits 2026: 266% of the federal poverty level — about $3,538/month for a household of 1 and $7,315/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 | $3,538 | $4,797 | $6,056 | $7,315 | $8,574 | $9,833 | $11,092 | $12,351 |
Base standard 261% FPL + 5% MAGI disregard = 266% effective. Larger households: add roughly $1,259/month per additional person.
Separate CHIP coverage for uninsured children above the Medicaid children's ceiling. Benefits match Medicaid; small copays may apply for some services. CMS lists this as a CHIP-funded Medicaid expansion covering children up to age 19 (footnote 1 of the national table), under the Healthy Montana Kids name.
Pregnant women (Medicaid) — 2026 income limits
162% FPL effectivePregnant women (Medicaid) income limits 2026: 162% of the federal poverty level — about $2,155/month for a household of 1 and $4,455/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 | $2,155 | $2,921 | $3,688 | $4,455 | $5,222 | $5,989 | $6,755 | $7,522 |
Base standard 157% FPL + 5% MAGI disregard = 162% effective. Larger households: add roughly $767/month per additional person.
Count the expected child(ren) in household size. Federal law guarantees 12 months of postpartum coverage.
Parents & caretaker relatives (Medicaid) — 2026 income limits
29% FPL effectiveParents & caretaker relatives (Medicaid) income limits 2026: 29% of the federal poverty level — about $386/month for a household of 1 and $798/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 | $386 | $523 | $660 | $798 | $935 | $1,072 | $1,209 | $1,347 |
Base standard 24% FPL + 5% MAGI disregard = 29% effective. Larger households: add roughly $137/month per additional person.
The parents and caretaker relatives category. In states that expanded Medicaid, parents above this standard may qualify through the adult expansion group instead.
Montana 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. Montana's expansion group is delivered as Montana Medicaid expansion (HELP Act).
MAGI household size follows federal tax-filing relationships, not who lives under your roof - and a pregnant applicant counts the expected child(ren).
Frequently asked questions
What is the Montana Medicaid income limit in 2026?
It depends on the coverage group. most Montana adults qualify with household income up to $1,835/month (single) — 138% of the 2026 federal poverty guidelines. Children and pregnant women qualify at much higher levels.
What is the Montana Medicaid income limit for a family of 2?
Adults 19-64 (expansion group) — 138% of the federal poverty level, about $2,489/month for a family of 2 in 2026. The ACA expansion group: adults 19-64 who qualify on income alone and are not eligible in another category such as disability or pregnancy. This is the group the 2027 work requirement applies to. No asset test.
What is the Montana Medicaid income limit for a family of 3?
Adults 19-64 (expansion group) — 138% of the federal poverty level, about $3,142/month for a family of 3 in 2026. The ACA expansion group: adults 19-64 who qualify on income alone and are not eligible in another category such as disability or pregnancy. This is the group the 2027 work requirement applies to. No asset test.
What is the Montana Medicaid income limit for a family of 4?
Adults 19-64 (expansion group) — 138% of the federal poverty level, about $3,795/month for a family of 4 in 2026. The ACA expansion group: adults 19-64 who qualify on income alone and are not eligible in another category such as disability or pregnancy. This is the group the 2027 work requirement applies to. No asset test.
What is the Montana Medicaid income limit for a family of 5?
Adults 19-64 (expansion group) — 138% of the federal poverty level, about $4,448/month for a family of 5 in 2026. The ACA expansion group: adults 19-64 who qualify on income alone and are not eligible in another category such as disability or pregnancy. This is the group the 2027 work requirement applies to. No asset test.
What income is too high for Medicaid in Montana?
There is no single number — every coverage group has its own ceiling. In Montana, an adult under 65 qualifies with household income up to $1,835/month for one person (138% FPL). Go above that and the adult group no longer covers you. Children and pregnant women stay covered at much higher levels: children to 148% FPL and pregnant women to 162% FPL.
What is the income limit for Adults 19-64 in Montana?
Adults 19-64 (expansion group): 138% of the federal poverty level, about $1,835/month for a household of one. The ACA expansion group: adults 19-64 who qualify on income alone and are not eligible in another category such as disability or pregnancy. This is the group the 2027 work requirement applies to. No asset test.
What is the income limit for Children 0-18 in Montana?
Children 0-18 (Medicaid): 148% of the federal poverty level, about $1,968/month for a household of one. Medicaid coverage for children. No premiums and no asset test.
What is the income limit for Children in Montana?
Children (separate CHIP — Healthy Montana Kids): 266% of the federal poverty level, about $3,538/month for a household of one. Separate CHIP coverage for uninsured children above the Medicaid children's ceiling. Benefits match Medicaid; small copays may apply for some services. CMS lists this as a CHIP-funded Medicaid expansion covering children up to age 19 (footnote 1 of the national table), under the Healthy Montana Kids name.
What is the income limit for Pregnant women in Montana?
Pregnant women (Medicaid): 162% of the federal poverty level, about $2,155/month for a household of one. Count the expected child(ren) in household size. Federal law guarantees 12 months of postpartum coverage.
What is the income limit for Parents & caretaker relatives in Montana?
Parents & caretaker relatives (Medicaid): 29% of the federal poverty level, about $386/month for a household of one. The parents and caretaker relatives category. In states that expanded Medicaid, parents above this standard may qualify through the adult expansion group instead.
What are the Montana 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. Montana Department of Public Health and Human Services (DPHHS) publishes those figures and makes the final determination.
What are the Montana Medicaid income limits in 2026?
Montana Medicaid is the Montana Medicaid program; children's coverage runs under HMK Plus (children). Its income limits are the ones on this page: most Montana adults qualify with household income up to $1,835/month (single) — 138% of the 2026 federal poverty guidelines. Children and pregnant women qualify at much higher levels.
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Reviewed by Gavin YE, Technical Director, ClearRules Labs.
Page last reviewed 2026-09-21