Indiana Medicaid Income Limits
Updated August 2026
Indiana uses MAGI (Modified Adjusted Gross Income) methodology for HIP and Hoosier Healthwise income determinations. MAGI counts most household income including wages, self-employment, unemployment benefits, and Social Security income — but not things like child support received, gifts, or veterans' benefits. There is no asset test for MAGI-based programs. Figures below reflect FSSA's official Eligibility Guide income standards, effective March 1, 2026.
138% FPL
HIP (adults 19–64)
255% FPL
Hoosier Healthwise (children)
213% FPL
Pregnant individuals
No asset test
For MAGI groups
Indiana Medicaid income limits by coverage group (2026)
| Coverage group | FPL % | Monthly limit (household of 1) | Monthly limit (household of 4) |
|---|---|---|---|
| HIP (adults 19–64, no disability) | 138% FPL | $1,835.50/mo | $3,795.50/mo |
| Hoosier Healthwise — children (birth–19) | Up to 255% FPL | $3,391.50/mo | $7,012.50/mo |
| Pregnant individuals | 213% FPL | N/A (min. household of 2) | $5,857.50/mo |
| Traditional Medicaid / Hoosier Care Connect (aged, blind, disabled) | 100% FPL | $1,330/mo | $2,750/mo |
| Institutionalized / HCBS waiver (aged, blind, disabled) | Special income limit | $2,982/mo | — |
HIP (adults 19–64, no disability)
- FPL %
- 138% FPL
- Monthly limit (household of 1)
- $1,835.50/mo
- Monthly limit (household of 4)
- $3,795.50/mo
Hoosier Healthwise — children (birth–19)
- FPL %
- Up to 255% FPL
- Monthly limit (household of 1)
- $3,391.50/mo
- Monthly limit (household of 4)
- $7,012.50/mo
Pregnant individuals
- FPL %
- 213% FPL
- Monthly limit (household of 1)
- N/A (min. household of 2)
- Monthly limit (household of 4)
- $5,857.50/mo
Traditional Medicaid / Hoosier Care Connect (aged, blind, disabled)
- FPL %
- 100% FPL
- Monthly limit (household of 1)
- $1,330/mo
- Monthly limit (household of 4)
- $2,750/mo
Institutionalized / HCBS waiver (aged, blind, disabled)
- FPL %
- Special income limit
- Monthly limit (household of 1)
- $2,982/mo
- Monthly limit (household of 4)
- —
HIP Plus vs. HIP Basic: how income affects your tier
Indiana's HIP program has two coverage tiers. Both cover the same basic medical services, but HIP Plus adds dental, vision, and other enhanced benefits in exchange for monthly POWER account contributions. HIP Basic provides more limited coverage for members who do not make contributions.
| Income level | Contribution required? | Default tier |
|---|---|---|
| Below 100% FPL | No — contribution is voluntary | HIP Plus (with voluntary contribution) or HIP Basic |
| 100% to 138% FPL | Yes — required for HIP Plus | HIP Basic if contributions not made |
Below 100% FPL
- Contribution required?
- No — contribution is voluntary
- Default tier
- HIP Plus (with voluntary contribution) or HIP Basic
100% to 138% FPL
- Contribution required?
- Yes — required for HIP Plus
- Default tier
- HIP Basic if contributions not made
POWER account contributions are set at approximately 2% of annual household income, with a monthly floor and ceiling. Members who miss three consecutive monthly contributions can be locked out of HIP Plus for a period and moved to HIP Basic. This lock-out provision is part of Indiana's Section 1115 waiver terms, approved by CMS.
No asset test for HIP and Hoosier Healthwise
MAGI-based Indiana Medicaid programs — HIP, Hoosier Healthwise, and the pregnant women's category — have no asset test. Savings accounts, vehicles, and home equity are not counted toward eligibility. This is the same rule applied in all ACA expansion and CHIP programs.
Traditional Medicaid and Hoosier Care Connect — for aged, blind, and disabled individuals who do not qualify under MAGI rules — use a separate non-MAGI income limit of 100% FPL ($1,330/month for an individual in 2026) and a resource limit of $2,000 for a single applicant or $3,000 for a married couple. Disabled individuals who are institutionalized or eligible for Home and Community-Based Services waivers may qualify with monthly income up to $2,982 (the applicant's income only — a spouse's income is not counted). Contact FSSA at 800-457-4584 for program-specific details.
Indiana Medicaid (Healthy Indiana Plan)
Visit the official Indiana 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 →