Florida Medicaid Income Limits

Updated August 2026

Income limits are expressed as percentages of the Federal Poverty Level (FPL). The dollar amounts below reflect DCF's official Medicaid Income Limits chart effective April 2026–March 2027, based on the 2026 HHS federal poverty guidelines. Verify current figures with DCF, as income limits update when HHS publishes new guidelines each January and DCF republishes each April.

~27% FPL

Parents (very restrictive)

138–211%

Children (by age)

196% FPL

Pregnant individuals

GAP

~200K adults uninsured

Florida has a coverage gap — adults without children cannot qualify

Because Florida has not expanded Medicaid, adults without dependent children are not eligible for Medicaid regardless of income. Adults with children qualify only up to approximately 27% FPL. Those earning 100%–400% FPL can shop on the marketplace with subsidies, but those below 100% FPL who don't qualify for Medicaid are left in the coverage gap with no affordable option.

Florida Medicaid income limits by coverage group (2026)

Coverage group	Income limit	Notes
Children under age 1	~211% FPL	$2,807/mo ($33,684/yr) for household of 1
Children ages 1–5	~145% FPL	$1,930/mo ($23,160/yr) for household of 1
Children ages 6–18	~138% FPL	$1,836/mo ($22,032/yr) for household of 1
Pregnant women	196% FPL	$2,608/mo; full-scope coverage; Medically Needy above limit
Parents / caretaker relatives	~27% FPL	$356/mo ($4,272/yr) for household of 1; extremely restrictive
Adults without children (non-expansion)	Not eligible	No pathway unless disabled, elderly, or pregnant
SSI recipients (elderly / disabled)	SSI limit	Automatic Medicaid eligibility
Former foster care youth (under 26)	No income limit	Must have been in foster care under FL responsibility

Children under age 1

Income limit: ~211% FPL
Notes: $2,807/mo ($33,684/yr) for household of 1

Children ages 1–5

Income limit: ~145% FPL
Notes: $1,930/mo ($23,160/yr) for household of 1

Children ages 6–18

Income limit: ~138% FPL
Notes: $1,836/mo ($22,032/yr) for household of 1

Pregnant women

Income limit: 196% FPL
Notes: $2,608/mo; full-scope coverage; Medically Needy above limit

Parents / caretaker relatives

Income limit: ~27% FPL
Notes: $356/mo ($4,272/yr) for household of 1; extremely restrictive

Adults without children (non-expansion)

Income limit: Not eligible
Notes: No pathway unless disabled, elderly, or pregnant

SSI recipients (elderly / disabled)

Income limit: SSI limit
Notes: Automatic Medicaid eligibility

Former foster care youth (under 26)

Income limit: No income limit
Notes: Must have been in foster care under FL responsibility

Florida KidCare income limits for children (2026 FPL table)

Children who don't qualify for standard Medicaid may qualify for subsidized Florida KidCare (CHIP) coverage — MediKids, Florida Healthy Kids, or the CMS Health Plan — between 133% and 200% FPL, per Florida KidCare's official 2026 income guidelines. Families above 200% FPL can still enroll on a full-pay basis. The table below shows the official annual household income limits by family size.

Family size	Medicaid for children (up to 133% FPL)	CHIP — $15/mo premium (133.01–158% FPL)	CHIP — $20/mo premium (158.01–200% FPL)
1	Up to $21,227	$21,227.01–$25,217	$25,217.01–$31,920
2	Up to $28,782	$28,782.01–$34,192	$34,192.01–$43,280
3	Up to $36,336	$36,336.01–$43,166	$43,166.01–$54,640
4	Up to $43,890	$43,890.01–$52,140	$52,140.01–$66,000
5	Up to $51,445	$51,445.01–$61,115	$61,115.01–$77,360
6	Up to $58,999	$58,999.01–$70,089	$70,089.01–$88,720

Medicaid for children (up to 133% FPL): Up to $21,227
CHIP — $15/mo premium (133.01–158% FPL): $21,227.01–$25,217
CHIP — $20/mo premium (158.01–200% FPL): $25,217.01–$31,920

Medicaid for children (up to 133% FPL): Up to $28,782
CHIP — $15/mo premium (133.01–158% FPL): $28,782.01–$34,192
CHIP — $20/mo premium (158.01–200% FPL): $34,192.01–$43,280

Medicaid for children (up to 133% FPL): Up to $36,336
CHIP — $15/mo premium (133.01–158% FPL): $36,336.01–$43,166
CHIP — $20/mo premium (158.01–200% FPL): $43,166.01–$54,640

Medicaid for children (up to 133% FPL): Up to $43,890
CHIP — $15/mo premium (133.01–158% FPL): $43,890.01–$52,140
CHIP — $20/mo premium (158.01–200% FPL): $52,140.01–$66,000

Medicaid for children (up to 133% FPL): Up to $51,445
CHIP — $15/mo premium (133.01–158% FPL): $51,445.01–$61,115
CHIP — $20/mo premium (158.01–200% FPL): $61,115.01–$77,360

Medicaid for children (up to 133% FPL): Up to $58,999
CHIP — $15/mo premium (133.01–158% FPL): $58,999.01–$70,089
CHIP — $20/mo premium (158.01–200% FPL): $70,089.01–$88,720

Asset limits: MAGI programs have none, but elderly and disabled programs do

Standard Medicaid for families, children, and pregnant women uses MAGI (Modified Adjusted Gross Income) rules. No asset test applies. A car, savings account, or home does not affect eligibility for those groups.

SSI-related Medicaid programs — covering seniors 65 and older, and non-elderly adults with disabilities — have asset limits. Per DCF's SSI-Related Programs Financial Eligibility Standards, the countable resource limit is $2,000 for an individual and $3,000 for a couple (aligned with SSI resource limits). Certain assets are excluded: a primary home, one vehicle, burial funds up to $2,500, and household goods.

For nursing facility Medicaid, the income rules are also different. Florida uses a Qualified Income Trust (also called a "Miller Trust") for applicants whose income exceeds the income cap. Ask DCF or a Medicaid planning attorney about this structure if the applicant's monthly income is above approximately $2,982 (the 2026 income cap for nursing facility Medicaid, 300% of the SSI Federal Benefit Rate).

The Medically Needy program covers people just over the income limit

Floridians who do not qualify for standard Medicaid due to income may qualify under the Medically Needy program. This program allows Medicaid coverage after meeting a monthly "share of cost" — essentially a deductible based on your income above the Medicaid limit. Once you pay medical bills equaling your share of cost for the month, Medicaid pays the remainder. Download the Medically Needy Program brochure (PDF) from DCF for details.

The Florida coverage gap at a glance

Adults with children may qualify for Medicaid up to ~27% FPL regardless of position in this table. Pregnant women qualify up to 196% FPL. This gap would be closed if Florida adopted the ACA Medicaid expansion.

Income range (% FPL)	FL Medicaid eligibility	ACA marketplace subsidies	Result for adults w/o children
0%–27% FPL	Yes (parents only)	No (below 100% FPL)	Parents may qualify; childless adults — no options
27%–100% FPL (gap)	No	No	Coverage gap — ~200K+ uninsured Floridians
100%–400% FPL	No	Yes (APTC subsidies)	Marketplace plans with premium tax credits

0%–27% FPL

FL Medicaid eligibility: Yes (parents only)
ACA marketplace subsidies: No (below 100% FPL)
Result for adults w/o children: Parents may qualify; childless adults — no options

27%–100% FPL (gap)

FL Medicaid eligibility: No
ACA marketplace subsidies: No
Result for adults w/o children: Coverage gap — ~200K+ uninsured Floridians

100%–400% FPL

FL Medicaid eligibility: No
ACA marketplace subsidies: Yes (APTC subsidies)
Result for adults w/o children: Marketplace plans with premium tax credits

What counts as income for Florida Medicaid (MAGI rules)

Wages, salaries, and tips
Self-employment net income
Unemployment compensation
Social Security benefits (most types)
Alimony received (for pre-2019 agreements)
Rental income (net of expenses)
Taxable interest and dividends

What does not count as income for Florida Medicaid (MAGI rules)

MAGI rules apply to families, children, and pregnant women. Elderly and disabled individuals may be evaluated under older SSI-related rules that include asset tests ($2,000 individual / $3,000 couple) and different income disregards.

Child support received
SNAP, TANF, and most public benefits
Veterans' benefits (most types)
Gifts and inheritances
Workers' compensation
Student loans and grants (for living expenses)
SSI payments

Florida's Medically Needy program provides a spend-down path for some

Florida's Medically Needy program allows people who are over the income limit to qualify by spending down their income on medical expenses until they reach the medically needy income level. This is primarily available to elderly, blind, and disabled individuals and certain families. Contact DCF at (850) 300-4323 to ask if you might qualify.

Florida Medicaid

Visit the official Florida Medicaid website