Illinois Medicaid Income Limits
Updated August 2026
Illinois uses Modified Adjusted Gross Income (MAGI) rules to determine eligibility for most coverage groups. MAGI income counts wages, salaries, self-employment income, Social Security benefits, and most other income, but not child support received or certain other excluded items. Illinois Medicaid has no asset test for MAGI-based programs — savings accounts, a car, or a home do not disqualify most applicants.
138% FPL
Adults 19–64
318% FPL
All Kids (children)
213% FPL
Moms & Babies
No asset test
For MAGI groups
Illinois Medicaid income limits by coverage group
| Coverage group | Income limit | ~Monthly (1 person) |
|---|---|---|
| Adults ages 19–64 (ACA expansion) | 138% FPL | $1,835/mo |
| Children 0–18 (All Kids Assist) | No premium | Up to $1,578/mo |
| Children 0–18 (All Kids Share) | No premium | $1,579–$1,685/mo |
| Children 0–18 (All Kids Premium Level 1) | $15–$25/mo premium | $1,686–$2,243/mo |
| Children 0–18 (All Kids Premium Level 2) | $40–$80/mo premium, up to 318% FPL | $2,244–$3,413/mo |
| Pregnant women (Moms & Babies) | 213% FPL | $3,841/mo (family of 2) |
| Parents/caretakers (FamilyCare) | 138% FPL | $1,835/mo (family of 1) |
| SSI recipients | SSI limit | Automatic eligibility |
Adults ages 19–64 (ACA expansion)
- Income limit
- 138% FPL
- ~Monthly (1 person)
- $1,835/mo
Children 0–18 (All Kids Assist)
- Income limit
- No premium
- ~Monthly (1 person)
- Up to $1,578/mo
Children 0–18 (All Kids Share)
- Income limit
- No premium
- ~Monthly (1 person)
- $1,579–$1,685/mo
Children 0–18 (All Kids Premium Level 1)
- Income limit
- $15–$25/mo premium
- ~Monthly (1 person)
- $1,686–$2,243/mo
Children 0–18 (All Kids Premium Level 2)
- Income limit
- $40–$80/mo premium, up to 318% FPL
- ~Monthly (1 person)
- $2,244–$3,413/mo
Pregnant women (Moms & Babies)
- Income limit
- 213% FPL
- ~Monthly (1 person)
- $3,841/mo (family of 2)
Parents/caretakers (FamilyCare)
- Income limit
- 138% FPL
- ~Monthly (1 person)
- $1,835/mo (family of 1)
SSI recipients
- Income limit
- SSI limit
- ~Monthly (1 person)
- Automatic eligibility
Adult Medicaid income limits by household size (138% FPL, 2026)
The table below shows the official monthly income limits for standard adult Medicaid (and FamilyCare parents/caretakers, which share the same 138% FPL standard) in Illinois, per the Illinois Department of Human Services' 2026 Family Health Plans Monthly Income Standards.
| Household size | Monthly limit | Approximate annual limit |
|---|---|---|
| 1 person | $1,835/mo | ~$22,020/yr |
| 2 people | $2,488/mo | ~$29,856/yr |
| 3 people | $3,141/mo | ~$37,692/yr |
| 4 people | $3,795/mo | ~$45,540/yr |
| 5 people | $4,448/mo | ~$53,376/yr |
| 6 people | $5,101/mo | ~$61,212/yr |
| 7 people | $5,754/mo | ~$69,048/yr |
| 8 people | $6,407/mo | ~$76,884/yr |
1 person
- Monthly limit
- $1,835/mo
- Approximate annual limit
- ~$22,020/yr
2 people
- Monthly limit
- $2,488/mo
- Approximate annual limit
- ~$29,856/yr
3 people
- Monthly limit
- $3,141/mo
- Approximate annual limit
- ~$37,692/yr
4 people
- Monthly limit
- $3,795/mo
- Approximate annual limit
- ~$45,540/yr
5 people
- Monthly limit
- $4,448/mo
- Approximate annual limit
- ~$53,376/yr
6 people
- Monthly limit
- $5,101/mo
- Approximate annual limit
- ~$61,212/yr
7 people
- Monthly limit
- $5,754/mo
- Approximate annual limit
- ~$69,048/yr
8 people
- Monthly limit
- $6,407/mo
- Approximate annual limit
- ~$76,884/yr
Children's Medicaid income limits are unusually high in Illinois
Illinois covers children up to 318% FPL under All Kids — one of the higher ceilings in the country. For context, a family of four earning up to $84,276 per year ($7,023/month) could still qualify for All Kids coverage for their children at the top of the Premium Level 2 tier. Premiums apply at that income level ($40 per child, $80 cap for two or more children), but coverage itself continues.
Children in households with income above the All Kids Assist free-coverage threshold (up to $1,578/month for a family of one) but below 318% FPL fall into the All Kids Share, Premium Level 1, or Premium Level 2 tiers. Each tier has different premium and cost-sharing amounts. Well-child visits and immunizations are free at all income levels. Per HFS, the annual family out-of-pocket maximum for All Kids Premium Level 1 is $100 per family.
Children who do not meet the 3-month waiting period for All Kids Premium Level 2 may qualify if their prior insurance was COBRA, if the premium exceeded 5% of household income, or if the child has special health care needs. The waiting period does not apply to children in the All Kids Assist, Share, or Premium Level 1 tiers.
No asset test for most Illinois Medicaid programs
MAGI-based Illinois Medicaid — covering most adults, children, and pregnant women — has no asset test. A savings account, retirement account, home, or vehicle does not affect eligibility for these programs. This applies to the ACA expansion adult program, All Kids, and Moms & Babies.
Long-term care Medicaid for nursing home residents and certain seniors and people with disabilities uses separate non-MAGI rules that do include asset limits. The Community Care Program for older adults requires non-exempt assets of $17,500 or less, per the Illinois Department on Aging. See the seniors and long-term care page for details.
2026 income limits by household size
Based on the Illinois Department of Human Services' 2026 Family Health Plans Monthly Income Standards. Pregnant women's coverage counts the unborn child as a household member, so the minimum household size for that column is 2.
| Household size | 138% FPL (adults) | 213% FPL (pregnant) | 318% FPL (All Kids) |
|---|---|---|---|
| 1 person | $22,020/yr | N/A | $50,748/yr |
| 2 people | $29,856/yr | $46,092/yr | $68,808/yr |
| 3 people | $37,692/yr | $58,188/yr | $86,868/yr |
| 4 people | $45,540/yr | $70,284/yr | $104,940/yr |
| 5 people | $53,376/yr | $82,380/yr | $123,000/yr |
| 6 people | $61,212/yr | $94,476/yr | $141,060/yr |
1 person
- 138% FPL (adults)
- $22,020/yr
- 213% FPL (pregnant)
- N/A
- 318% FPL (All Kids)
- $50,748/yr
2 people
- 138% FPL (adults)
- $29,856/yr
- 213% FPL (pregnant)
- $46,092/yr
- 318% FPL (All Kids)
- $68,808/yr
3 people
- 138% FPL (adults)
- $37,692/yr
- 213% FPL (pregnant)
- $58,188/yr
- 318% FPL (All Kids)
- $86,868/yr
4 people
- 138% FPL (adults)
- $45,540/yr
- 213% FPL (pregnant)
- $70,284/yr
- 318% FPL (All Kids)
- $104,940/yr
5 people
- 138% FPL (adults)
- $53,376/yr
- 213% FPL (pregnant)
- $82,380/yr
- 318% FPL (All Kids)
- $123,000/yr
6 people
- 138% FPL (adults)
- $61,212/yr
- 213% FPL (pregnant)
- $94,476/yr
- 318% FPL (All Kids)
- $141,060/yr
All Kids: Illinois's unique program covers children to 318% FPL regardless of immigration status
Illinois All Kids launched in 2006 and accepts all children regardless of immigration status (unlike federally-funded Medicaid). Children at lower incomes receive free coverage; premiums of $15–$40/month apply at 200%+ FPL. All Kids uses state funds above the federal Medicaid match threshold.
Children in households up to $1,578/month (family of one; higher for larger families) who meet standard Medicaid criteria pay $0 premium under All Kids Assist. Above that threshold and up to 318% FPL, All Kids coverage applies with a sliding-scale premium through the Share and Premium Level 1/2 tiers.
Illinois vs neighboring states: income limit comparison
Illinois's All Kids at 318% FPL is among the highest children's thresholds in the nation and uniquely covers all immigration statuses.
| State | Adults (expansion) | Children (CHIP) | Expanded? |
|---|---|---|---|
| Illinois | 138% FPL | 318% FPL (All Kids) | Yes |
| Indiana | 138% FPL (HIP 2.0) | 250% FPL | Yes |
| Iowa | 138% FPL | 302% FPL | Yes |
| Wisconsin | 100% FPL (BadgerCare) | 300% FPL | Not fully |
| Missouri | 138% FPL (2021) | 300% FPL | Yes |
Illinois
- Adults (expansion)
- 138% FPL
- Children (CHIP)
- 318% FPL (All Kids)
- Expanded?
- Yes
Indiana
- Adults (expansion)
- 138% FPL (HIP 2.0)
- Children (CHIP)
- 250% FPL
- Expanded?
- Yes
Iowa
- Adults (expansion)
- 138% FPL
- Children (CHIP)
- 302% FPL
- Expanded?
- Yes
Wisconsin
- Adults (expansion)
- 100% FPL (BadgerCare)
- Children (CHIP)
- 300% FPL
- Expanded?
- Not fully
Missouri
- Adults (expansion)
- 138% FPL (2021)
- Children (CHIP)
- 300% FPL
- Expanded?
- Yes
Illinois Medicaid
Visit the official Illinois Medicaid websiteRelated guides
Income Limits
Current income cutoffs by state and household size, tied to the Federal Poverty Level.
Read more →Spend-Down
How to qualify by deducting medical bills from income that's above the limit.
Read more →Eligibility Requirements
The income, household, age, and state rules that determine who qualifies.
Read more →