Medicaid Office

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)

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.

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.

Medicare Savings Programs (QMB) in Indiana

HIP Plus, HIP Basic, and POWER account contributions are designed for adults under 65 — none of that applies to Indiana Medicare beneficiaries. Instead, Hoosiers enrolled in Medicare who have limited income can qualify for the Qualified Medicare Beneficiary (QMB) program, or the related SLMB and QI tiers, through Indiana Medicaid.

QMB

Situation
Individual
Monthly income limit
$1,350/mo

QMB

Situation
Married couple
Monthly income limit
$1,824/mo

SLMB

Situation
Individual
Monthly income limit
$1,616/mo

SLMB

Situation
Married couple
Monthly income limit
$2,184/mo

QI

Situation
Individual
Monthly income limit
$1,816/mo

QI

Situation
Married couple
Monthly income limit
$2,455/mo

QMB is the most generous tier by far: it covers the Part A premium when one applies, the full Part B premium ($202.90/month in 2026), and every deductible, coinsurance amount, and copayment Medicare would otherwise charge. The income ceiling is $1,350/month for an individual and $1,824/month for a married couple.

SLMB and QI cover a narrower benefit — the Part B premium only — but extend to higher earners: SLMB up to $1,616/month individual ($2,184/month couple), and QI up to $1,816/month individual ($2,455/month couple). QI's funding is capped annually by Congress, so it's handled first-come, first-served and requires a fresh application every year.

No provider, anywhere, can bill a QMB enrollee for Medicare's deductibles or coinsurance — federal law forbids it outright. QMB, SLMB, and QI enrollees are also automatically enrolled in Extra Help, which limits what they pay for covered Part D prescriptions to $12.65 in 2026. Apply through Indiana Medicaid at the Family and Social Services Administration, in.gov/medicaid — not through Medicare — since this is a state-administered benefit even though it pays for Medicare costs.

Indiana Medicaid (Healthy Indiana Plan)

Visit the official Indiana Medicaid website

Income Limits in Nearby States

Iowa Kansas Michigan Minnesota Missouri

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