2026 income limits

New York Medicaid Income Limits 2026: Chart by Household Size & Family of 4

Quick answer: most New York 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 York 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.

New York Medicaid is the New York Medicaid program. The 2026 New York Medicaid income limits are the figures on this page, shown as both the state percentages and dollar charts by household size.

New York Medicaid work requirement 2027: the federal work-requirement deadline for New York is January 1, 2027. The income cutoffs on this page are the 2026 figures in effect now; see the New York work-requirement page for hours, exemptions and the reporting timeline.

Verification: All figures come from the CMS national eligibility table (2023-12-01 snapshot).

Adults 19-64 (New York Medicaid expansion group) — 2026 income limits

138% FPL effective

Adults 19-64 (New York Medicaid 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.

2026 New York monthly income limits for Adults 19-64 (New York Medicaid expansion group), from a household of 1 to a family of 8. Effective cutoffs including the 5% MAGI disregard.
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

223% FPL effective

Children 0-1 (Medicaid) income limits 2026: 223% of the federal poverty level — about $2,966/month for a household of 1 and $6,133/month for a family of 4.

2026 New York monthly income limits for Children 0-1 (Medicaid), from a household of 1 to a family of 8. Effective cutoffs including the 5% MAGI disregard.
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	$2,966	$4,021	$5,077	$6,133	$7,188	$8,244	$9,299	$10,355

Base standard 218% FPL + 5% MAGI disregard = 223% effective. Larger households: add roughly $1,056/month per additional person.

Medicaid coverage for children. No premiums and no asset test.

Children 0-18 (Medicaid) — 2026 income limits

154% FPL effective

Children 0-18 (Medicaid) income limits 2026: 154% of the federal poverty level — about $2,048/month for a household of 1 and $4,235/month for a family of 4.

2026 New York monthly income limits for Children 0-18 (Medicaid), from a household of 1 to a family of 8. Effective cutoffs including the 5% MAGI disregard.
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	$2,048	$2,777	$3,506	$4,235	$4,964	$5,693	$6,422	$7,151

Base standard 149% FPL + 5% MAGI disregard = 154% effective. Larger households: add roughly $729/month per additional person.

Medicaid coverage for children. No premiums and no asset test.

Children (separate CHIP — Child Health Plus) — 2026 income limits

405% FPL effective

Children (separate CHIP — Child Health Plus) income limits 2026: 405% of the federal poverty level — about $5,387/month for a household of 1 and $11,138/month for a family of 4.

2026 New York monthly income limits for Children (separate CHIP — Child Health Plus), from a household of 1 to a family of 8. Effective cutoffs including the 5% MAGI disregard.
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	$5,387	$7,304	$9,221	$11,138	$13,055	$14,972	$16,889	$18,806

Base standard 400% FPL + 5% MAGI disregard = 405% effective. Larger households: add roughly $1,917/month per additional person.

Separate CHIP coverage for uninsured children above the Medicaid children's ceiling, under the Child Health Plus name. Benefits match Medicaid; small copays may apply for some services.

Pregnant women — 2026 income limits

223% FPL effective

Pregnant women income limits 2026: 223% of the federal poverty level — about $2,966/month for a household of 1 and $6,133/month for a family of 4.

2026 New York monthly income limits for Pregnant women, from a household of 1 to a family of 8. Effective cutoffs including the 5% MAGI disregard.
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	$2,966	$4,021	$5,077	$6,133	$7,188	$8,244	$9,299	$10,355

Base standard 218% FPL + 5% MAGI disregard = 223% effective. Larger households: add roughly $1,056/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 — 2026 income limits

138% FPL effective

Parents & caretaker relatives 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.

2026 New York monthly income limits for Parents & caretaker relatives, from a household of 1 to a family of 8. Effective cutoffs including the 5% MAGI disregard.
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 parents and caretaker relatives category — in an expansion state, parents above this line qualify through the adult expansion group instead.

New York 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).

New York Medicaid income limits 2025 (prior year)

If you are checking last year's figures — for example new york medicaid income limits 2025 family of 4 — 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.

2025 New York monthly income limits by coverage group, for a family of 1 through 5. Same state percentages, prior-year federal poverty guidelines.
Coverage group	Family of 1	Family of 2	Family of 3	Family of 4	Family of 5
Adults 19-64 (New York Medicaid expansion group)	$1,800	$2,432	$3,065	$3,697	$4,330
Children 0-1 (Medicaid)	$2,908	$3,930	$4,952	$5,975	$6,997
Children 0-18 (Medicaid)	$2,008	$2,714	$3,420	$4,126	$4,832
Children (separate CHIP — Child Health Plus)	$5,282	$7,138	$8,994	$10,851	$12,707
Pregnant women	$2,908	$3,930	$4,952	$5,975	$6,997
Parents & caretaker relatives	$1,800	$2,432	$3,065	$3,697	$4,330

For anything decided today, use the 2026 tables above — those are the figures New York State Department of Health applies now.

What does 138% of FPL mean? The federal poverty chart, by household size →Medicaid income limits in every state →New York Medicaid work requirements 2027: hours, exemptions & timeline → Check your 2027 work-requirement compliance paths →New York Medicaid exemptions — run the self-check →On irregular income? The $580/month alternative →When every state's work requirement starts →If coverage ends: ranked fallbacks →State tracker: enforcement dates & disenrollment data →

Frequently asked questions

What is the New York Medicaid income limit in 2026?

It depends on the coverage group. most New York 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 York Medicaid income limit for a family of 2?

Adults 19-64 (New York Medicaid 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 York Medicaid income limit for a family of 3?

Adults 19-64 (New York Medicaid 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 York Medicaid income limit for a family of 4?

Adults 19-64 (New York Medicaid 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 York Medicaid income limit for a family of 5?

Adults 19-64 (New York Medicaid 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 York?

There is no single number — every coverage group has its own ceiling. In New York, 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 223% FPL and pregnant women to 223% FPL.

What is the income limit for Adults 19-64 in New York?

Adults 19-64 (New York Medicaid 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 York?

Children 0-1 (Medicaid): 223% of the federal poverty level, about $2,966/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 York?

Children 0-18 (Medicaid): 154% of the federal poverty level, about $2,048/month for a household of one. Medicaid coverage for children. No premiums and no asset test.

What is the income limit for Children in New York?

Children (separate CHIP — Child Health Plus): 405% of the federal poverty level, about $5,387/month for a household of one. Separate CHIP coverage for uninsured children above the Medicaid children's ceiling, under the Child Health Plus name. Benefits match Medicaid; small copays may apply for some services.

What is the income limit for Pregnant women in New York?

Pregnant women: 223% of the federal poverty level, about $2,966/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 York 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 York State Department of Health publishes those figures and makes the final determination.

What are the New York Medicaid income limits in 2026?

New York Medicaid is the New York Medicaid program. Its income limits are the ones on this page: most New York 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 were the New York Medicaid income limits in 2025?

New York'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 Adults 19-64 (New York Medicaid expansion group) group meant about $1,800/month for one and $3,697/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