NJ FamilyCare Income Limits 2026: New Jersey Charts by Family Size
Quick answer: most New Jersey 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 New Jersey 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.
NJ FamilyCare is the New Jersey Medicaid program — children's coverage runs under children covered under NJ FamilyCare. The 2026 NJ FamilyCare income limits are the figures on this page, shown as both the state percentages and dollar charts by household size.
New Jersey Medicaid work requirement 2027: the federal work-requirement deadline for New Jersey is January 1, 2027. The income cutoffs on this page are the 2026 figures in effect now; see the New Jersey work-requirement page for hours, exemptions and the reporting timeline.
Verification: All figures come from the CMS national eligibility table (2023-12-01 snapshot); the parents standard is dollar-based (CMS equivalent ~26% FPL) and exact dollars are pending state verification.
Adults 19-64 (NJ FamilyCare expansion group) — 2026 income limits
138% FPL effectiveAdults 19-64 (NJ FamilyCare 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 0-1 (Medicaid) — 2026 income limits
199% FPL effectiveChildren 0-1 (Medicaid) income limits 2026: 199% of the federal poverty level — about $2,647/month for a household of 1 and $5,473/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 | $2,647 | $3,589 | $4,531 | $5,473 | $6,414 | $7,356 | $8,298 | $9,240 |
Base standard 194% FPL + 5% MAGI disregard = 199% effective. Larger households: add roughly $942/month per additional person.
Medicaid coverage for children. No premiums and no asset test.
Children 0-18 (Medicaid) — 2026 income limits
147% FPL effectiveChildren 0-18 (Medicaid) income limits 2026: 147% of the federal poverty level — about $1,955/month for a household of 1 and $4,043/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 | $1,955 | $2,651 | $3,347 | $4,043 | $4,738 | $5,434 | $6,130 | $6,826 |
Base standard 142% FPL + 5% MAGI disregard = 147% effective. Larger households: add roughly $696/month per additional person.
Medicaid coverage for children (the children's program is branded children covered under NJ FamilyCare). No premiums and no asset test.
Pregnant women — 2026 income limits
199% FPL effectivePregnant women income limits 2026: 199% of the federal poverty level — about $2,647/month for a household of 1 and $5,473/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 | $2,647 | $3,589 | $4,531 | $5,473 | $6,414 | $7,356 | $8,298 | $9,240 |
Base standard 194% FPL + 5% MAGI disregard = 199% effective. Larger households: add roughly $942/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 — NJ FamilyCare (CHIP — integrated)) — 2026 income limits
355% FPL effectiveChildren (separate CHIP — NJ FamilyCare (CHIP — integrated)) income limits 2026: 355% of the federal poverty level — about $4,722/month for a household of 1 and $9,763/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 | $4,722 | $6,402 | $8,082 | $9,763 | $11,443 | $13,123 | $14,804 | $16,484 |
Base standard 350% FPL + 5% MAGI disregard = 355% effective. Larger households: add roughly $1,680/month per additional person.
New Jersey runs Medicaid and CHIP as one integrated program — NJ FamilyCare — so this is the CHIP-funded portion of the same children's coverage rather than a separate program.
Parents & caretaker relatives (dollar standard) — 2026 income limits
State dollar standard (CMS equivalent 26% FPL)Parents & caretaker relatives (dollar standard) income limits 2026: New Jersey sets the parents/caretaker income standard in dollars rather than as an FPL percentage; CMS converts it to an equivalent of about 26% FPL for this group. We do not print a dollar schedule until it is verified against New Jersey Department of Human Services — contact them for the exact figures. Parents above this standard qualify through the adult expansion group instead.
New Jersey sets the parents/caretaker income standard in dollars rather than as an FPL percentage; CMS converts it to an equivalent of about 26% FPL for this group. We do not print a dollar schedule until it is verified against New Jersey Department of Human Services — contact them for the exact figures. Parents above this standard qualify through the adult expansion group instead.
The parents and caretaker relatives category, set in dollars by the state (CMS equivalent ~26% FPL).
New Jersey 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).
Frequently asked questions
What is the New Jersey Medicaid income limit in 2026?
It depends on the coverage group. most New Jersey 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 New Jersey Medicaid income limit for a family of 2?
Adults 19-64 (NJ FamilyCare 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 New Jersey Medicaid income limit for a family of 3?
Adults 19-64 (NJ FamilyCare 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 New Jersey Medicaid income limit for a family of 4?
Adults 19-64 (NJ FamilyCare 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 New Jersey Medicaid income limit for a family of 5?
Adults 19-64 (NJ FamilyCare 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 New Jersey?
There is no single number — every coverage group has its own ceiling. In New Jersey, 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 199% FPL and pregnant women to 199% FPL.
What is the income limit for Adults 19-64 in New Jersey?
Adults 19-64 (NJ FamilyCare 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 0-1 in New Jersey?
Children 0-1 (Medicaid): 199% of the federal poverty level, about $2,647/month for a household of one. Medicaid coverage for children. No premiums and no asset test.
What is the income limit for Children 0-18 in New Jersey?
Children 0-18 (Medicaid): 147% of the federal poverty level, about $1,955/month for a household of one. Medicaid coverage for children (the children's program is branded children covered under NJ FamilyCare). No premiums and no asset test.
What is the income limit for Pregnant women in New Jersey?
Pregnant women: 199% of the federal poverty level, about $2,647/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 (separate CHIP — NJ FamilyCare (CHIP — integrated)) in New Jersey?
Children (separate CHIP — NJ FamilyCare (CHIP — integrated)): 355% of the federal poverty level, about $4,722/month for a household of one. New Jersey runs Medicaid and CHIP as one integrated program — NJ FamilyCare — so this is the CHIP-funded portion of the same children's coverage rather than a separate program.
What are the New Jersey 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. New Jersey Department of Human Services (NJ FamilyCare) publishes those figures and makes the final determination.
What are the NJ FamilyCare income limits in 2026?
NJ FamilyCare is the New Jersey Medicaid program; children's coverage runs under children covered under NJ FamilyCare. Its income limits are the ones on this page: most New Jersey 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.
Sources
- National Medicaid & CHIP eligibility levels (income standards as of 2023-12-01) — Medicaid.gov (CMS) (accessed 2026-09-20)
- New Jersey Department of Human Services (NJ FamilyCare) — New Jersey Department of Human Services (accessed 2026-09-20)
- 2026 Federal Poverty Guidelines — HHS/ASPE (accessed 2026-09-20)
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Reviewed by Gavin YE, Technical Director, ClearRules Labs.
Page last reviewed 2026-09-21