Maryland Medicaid Income Limits
Updated August 2026
Maryland uses MAGI (Modified Adjusted Gross Income) rules for most coverage groups. MAGI counts wages, self-employment income, Social Security, and most other taxable income. There is no asset test for MAGI-based Maryland Medicaid. Seniors and individuals applying based on disability or long-term care use separate non-MAGI rules with asset tests. Figures below reflect the Maryland Department of Health's official income limits chart, effective February 1, 2026.
Maryland's income limits for children and pregnant women are among the highest nationally
Maryland covers children up to approximately 322% FPL and pregnant women up to approximately 264% FPL. These are well above most states. Verify current figures through Maryland Department of Health's income limits page or call 1-855-642-8572.
Maryland Medicaid income limits by coverage group (2026)
| Coverage group | FPL % | Annual limit (household of 1) | Annual limit (household of 4) |
|---|---|---|---|
| Adults 19–64 (ACA expansion) | 138% FPL | $22,020/yr | $45,540/yr |
| Children (Maryland Children's Health Program) | ~322% FPL | $51,396/yr | $106,260/yr |
| Pregnant women | ~264% FPL | N/A (min. household of 2) | $87,120/yr |
| Employed Individuals with Disabilities (EID) | No income cap | Sliding-scale premium instead of an income limit | — |
| Seniors and disabled (non-MAGI) | Separate rules | Varies | N/A |
Adults 19–64 (ACA expansion)
- FPL %
- 138% FPL
- Annual limit (household of 1)
- $22,020/yr
- Annual limit (household of 4)
- $45,540/yr
Children (Maryland Children's Health Program)
- FPL %
- ~322% FPL
- Annual limit (household of 1)
- $51,396/yr
- Annual limit (household of 4)
- $106,260/yr
Pregnant women
- FPL %
- ~264% FPL
- Annual limit (household of 1)
- N/A (min. household of 2)
- Annual limit (household of 4)
- $87,120/yr
Employed Individuals with Disabilities (EID)
- FPL %
- No income cap
- Annual limit (household of 1)
- Sliding-scale premium instead of an income limit
- Annual limit (household of 4)
- —
Seniors and disabled (non-MAGI)
- FPL %
- Separate rules
- Annual limit (household of 1)
- Varies
- Annual limit (household of 4)
- N/A
No asset test for most Maryland Medicaid
MAGI-based Maryland Medical Assistance — covering adults, children, and pregnant women — has no asset test. Savings, retirement accounts, vehicles, and home equity do not count against eligibility. This is the same rule across all ACA expansion states.
Individuals applying based on age (65+), blindness, or disability use non-MAGI rules that include both income and asset tests. Maryland's asset limit for a single individual in the non-MAGI category is generally $2,500. For a couple, the limit is generally $3,000. These figures are set by state regulations and can change — verify current amounts with the Maryland Department of Health.
The EID (Employed Individuals with Disabilities) program has no maximum income limit. Instead, participants pay a monthly premium on a sliding scale based on income — from $0/month for individual income under $15,960/year up to 7.5% of monthly countable income for individual income above $95,760/year (effective January 1, 2026). EID does have an asset limit of $10,000 for a single applicant. This makes EID available to working adults with disabilities who would otherwise earn too much for standard Medicaid.
Maryland Children's Health Program: about 322% FPL for children
Maryland's income limit for the Maryland Children's Health Program (MCHP) — approximately 322% FPL — is among the highest in the country. At this threshold, a family of four with annual income under approximately $106,260 qualifies for publicly funded health coverage for their children. The program provides comprehensive benefits equivalent to full Medicaid — not the scaled-back benefits found in some CHIP programs.
MCHP is funded through a combination of federal Medicaid and CHIP dollars. There are no monthly premiums for children below 200% FPL. For children between 200% and the top limit of about 322% FPL, nominal premiums may apply depending on income. Apply through marylandhealthconnection.gov — the same application covers MCHP and adult Medicaid.
Maryland Medicaid
- Income and Asset Limits by Coverage Group — Maryland Department of Health: https://health.maryland.gov/mmcp/eligibility/Pages/incomelimits.aspx
Related 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 →