Centennial Care Income Limits 2026: New Mexico Charts by Family Size
Quick answer: most New Mexico 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 Mexico 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.
Centennial Care is the New Mexico Medicaid program. The 2026 Centennial Care income limits are the figures on this page, shown as both the state percentages and dollar charts by household size.
New Mexico Medicaid work requirement 2027: the federal work-requirement deadline for New Mexico is January 1, 2027. The income cutoffs on this page are the 2026 figures in effect now; see the New Mexico work-requirement page for hours, exemptions and the reporting timeline.
Verification: All figures except the parents dollar schedule come from the CMS national eligibility table (2023-12-01 snapshot): children 300% (0-5) / 240% (6-18) in Medicaid with no separate CHIP, pregnant 250%, expansion 133%. The parents standard is dollar-based (CMS equivalent ~37% FPL); exact dollars pending verification against HCA.
Adults 19-64 (Centennial Care expansion group) — 2026 income limits
138% FPL effectiveAdults 19-64 (Centennial Care 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. Delivered through Centennial Care managed-care organizations. No asset test.
Children 0-5 (Medicaid) — 2026 income limits
305% FPL effectiveChildren 0-5 (Medicaid) income limits 2026: 305% of the federal poverty level — about $4,057/month for a household of 1 and $8,388/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 | $4,057 | $5,500 | $6,944 | $8,388 | $9,831 | $11,275 | $12,719 | $14,162 |
Base standard 300% FPL + 5% MAGI disregard = 305% effective. Larger households: add roughly $1,444/month per additional person.
Medicaid coverage for young children. No premiums and no asset test.
Children 6-18 (Medicaid) — 2026 income limits
245% FPL effectiveChildren 6-18 (Medicaid) income limits 2026: 245% of the federal poverty level — about $3,259/month for a household of 1 and $6,738/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 | $3,259 | $4,418 | $5,578 | $6,738 | $7,897 | $9,057 | $10,217 | $11,376 |
Base standard 240% FPL + 5% MAGI disregard = 245% effective. Larger households: add roughly $1,160/month per additional person.
Medicaid coverage for school-age children. No premiums and no asset test.
Pregnant women — 2026 income limits
255% FPL effectivePregnant women income limits 2026: 255% of the federal poverty level — about $3,392/month for a household of 1 and $7,013/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 | $3,392 | $4,599 | $5,806 | $7,013 | $8,220 | $9,427 | $10,634 | $11,841 |
Base standard 250% FPL + 5% MAGI disregard = 255% effective. Larger households: add roughly $1,207/month per additional person.
Count the expected child(ren) in household size. Federal law guarantees 12 months of postpartum coverage. No asset test.
Parents & caretaker relatives (dollar standard) — 2026 income limits
State dollar standard (CMS equivalent 37% FPL)Parents & caretaker relatives (dollar standard) income limits 2026: New Mexico sets the parents/caretaker income standard in dollars rather than as an FPL percentage; CMS converts it to an equivalent of about 37% FPL for this group. We do not print a dollar schedule until it is verified against the Health Care Authority — contact HCA at 1-800-283-4465 for the exact figures. Parents above this standard qualify through the adult expansion group instead.
New Mexico sets the parents/caretaker income standard in dollars rather than as an FPL percentage; CMS converts it to an equivalent of about 37% FPL for this group. We do not print a dollar schedule until it is verified against the Health Care Authority — contact HCA at 1-800-283-4465 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 ~37% FPL).
New Mexico 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. New Mexico has no separate CHIP program — children are covered in Medicaid itself up to 300% FPL (ages 0-5).
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 Mexico Medicaid income limit in 2026?
It depends on the coverage group. most New Mexico 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 Mexico Medicaid income limit for a family of 2?
Adults 19-64 (Centennial Care 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. Delivered through Centennial Care managed-care organizations. No asset test.
What is the New Mexico Medicaid income limit for a family of 3?
Adults 19-64 (Centennial Care 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. Delivered through Centennial Care managed-care organizations. No asset test.
What is the New Mexico Medicaid income limit for a family of 4?
Adults 19-64 (Centennial Care 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. Delivered through Centennial Care managed-care organizations. No asset test.
What is the New Mexico Medicaid income limit for a family of 5?
Adults 19-64 (Centennial Care 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. Delivered through Centennial Care managed-care organizations. No asset test.
What income is too high for Medicaid in New Mexico?
There is no single number — every coverage group has its own ceiling. In New Mexico, 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 305% FPL and pregnant women to 255% FPL.
What is the income limit for Adults 19-64 in New Mexico?
Adults 19-64 (Centennial Care 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. Delivered through Centennial Care managed-care organizations. No asset test.
What is the income limit for Children 0-5 in New Mexico?
Children 0-5 (Medicaid): 305% of the federal poverty level, about $4,057/month for a household of one. Medicaid coverage for young children. No premiums and no asset test.
What is the income limit for Children 6-18 in New Mexico?
Children 6-18 (Medicaid): 245% of the federal poverty level, about $3,259/month for a household of one. Medicaid coverage for school-age children. No premiums and no asset test.
What is the income limit for Pregnant women in New Mexico?
Pregnant women: 255% of the federal poverty level, about $3,392/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 are the New Mexico 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 Mexico Health Care Authority (HCA) publishes those figures and makes the final determination.
What are the Centennial Care income limits in 2026?
Centennial Care is the New Mexico Medicaid program. Its income limits are the ones on this page: most New Mexico 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