Medicaid Office

New Mexico Medicaid Income Limits

Updated August 2026

New Mexico Medicaid uses MAGI income rules for expansion adults, children, and pregnant women. No asset test applies to these groups. Non-MAGI rules and an asset test apply only to aged, blind, and disabled individuals in institutional or HCBS waiver care. Children's limits are age-banded: children 0–5 qualify for Medicaid up to 200% FPL and combined Medicaid/CHIP coverage up to 300% FPL, while children 6–18 qualify for Medicaid up to 138% FPL and combined coverage up to 240% FPL.

New Mexico is a Medicaid expansion state with some of the highest child and pregnancy income limits in the country

New Mexico expanded Medicaid in 2014. Adults up to 138% FPL qualify. Children ages 6–18 qualify up to 240% FPL, and children ages 0–5 qualify up to 300% FPL once CHIP coverage is included. Pregnant women qualify up to 250% FPL — all of these are substantially above the national standard of 200% for children and 133% for adults. As of 2026, New Mexico enrolls approximately 900,000 people — about 40% of the state population, the highest rate in the country per CMS enrollment data.

New Mexico Medicaid income limits by household size (2026)

1

Adults 19–64 (138% FPL)
$1,836/mo
Pregnant women (250% FPL)
$3,325/mo
Children 0–5 (300% FPL)
$3,990/mo
Children 6–18 (240% FPL)
$3,192/mo

2

Adults 19–64 (138% FPL)
$2,489/mo
Pregnant women (250% FPL)
$4,509/mo
Children 0–5 (300% FPL)
$5,410/mo
Children 6–18 (240% FPL)
$4,328/mo

3

Adults 19–64 (138% FPL)
$3,142/mo
Pregnant women (250% FPL)
$5,692/mo
Children 0–5 (300% FPL)
$6,830/mo
Children 6–18 (240% FPL)
$5,464/mo

4

Adults 19–64 (138% FPL)
$3,795/mo
Pregnant women (250% FPL)
$6,875/mo
Children 0–5 (300% FPL)
$8,250/mo
Children 6–18 (240% FPL)
$6,600/mo

5

Adults 19–64 (138% FPL)
$4,449/mo
Pregnant women (250% FPL)
$8,059/mo
Children 0–5 (300% FPL)
$9,670/mo
Children 6–18 (240% FPL)
$7,736/mo

6

Adults 19–64 (138% FPL)
$5,102/mo
Pregnant women (250% FPL)
$9,242/mo
Children 0–5 (300% FPL)
$11,090/mo
Children 6–18 (240% FPL)
$8,872/mo

7

Adults 19–64 (138% FPL)
$5,755/mo
Pregnant women (250% FPL)
$10,425/mo
Children 0–5 (300% FPL)
$12,510/mo
Children 6–18 (240% FPL)
$10,008/mo

8

Adults 19–64 (138% FPL)
$6,408/mo
Pregnant women (250% FPL)
$11,609/mo
Children 0–5 (300% FPL)
$13,930/mo
Children 6–18 (240% FPL)
$11,144/mo

What counts as income under MAGI?

MAGI counts most forms of regular income: wages, self-employment profit, Social Security, rental income, unemployment compensation, and taxable interest. It does not count child support received, SSI payments, workers' compensation, SNAP benefits, or gifts.

New Mexico generally uses household size based on the tax filing unit. Children not on a tax return may be counted separately. Contact HCA at 1-800-283-4465 if your household structure is unusual — blended families, extended family arrangements, and multi-generational households are common in New Mexico and sometimes require case-by-case review.

Income and asset limits for seniors and people with disabilities

Seniors and people with disabilities who do not meet the MAGI expansion rules are evaluated under non-MAGI criteria. New Mexico has a nursing facility income limit tied to the federal SSI standard, plus an asset test.

SSI recipients

Income limit
Automatic with SSI ($994/mo, 2026)
Asset limit
$2,000 individual / $3,000 couple

Nursing facility / Mi Via waiver (IC/Waiver)

Income limit
$2,982/mo (300% FBR, 2026)
Asset limit
$2,000 individual

Working Disabled Individuals (WDI) buy-in

Income limit
Earned income up to 250% FPL
Asset limit
$10,000 individual / $15,000 couple

Medicare Savings Programs (QMB/SLMB/QI-1)

Income limit
100%–135% FPL depending on program
Asset limit
No resource test (as of 2026)

Medicare Savings Programs (QMB) in New Mexico

The Medicare Savings Programs row in the table above — listing QMB/SLMB/QI-1 together at "100%–135% FPL depending on program" with no resource test as of 2026 — refers to three distinct tiers of help for New Mexicans enrolled in both Medicare and New Mexico Medicaid. Qualified Medicare Beneficiary (QMB) sits at the bottom of that range, roughly 100% FPL, and is the tier worth understanding in detail because it changes what you owe at the pharmacy counter and the doctor's office.

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 only Medicare Savings Program tier that pays more than the Part B premium. In 2026, an individual qualifies for QMB with income up to $1,350/mo (a married couple up to $1,824/mo); federal QMB resource limits are $9,950 for an individual and $14,910 for a couple, though — as the table above notes — New Mexico currently does not enforce a resource test for its Medicare Savings Programs. QMB covers your Part A premium if you owe one, your full Part B premium ($202.90/mo in 2026), and every Medicare deductible, coinsurance amount, and copayment. Providers are prohibited under federal law from billing a QMB enrollee for that cost-sharing, even by mistake — this protection applies no matter what a provider's own billing system shows.

SLMB and QI, the other two tiers referenced in the row above, cover only the Part B premium and use similar 2026 income bands — SLMB up to roughly $1,616/mo individual ($2,184/mo couple), QI up to roughly $1,816/mo individual ($2,455/mo couple). QI funding is capped annually and awarded first-come, first-served, so QI enrollees must reapply each year rather than renewing automatically.

All three tiers come with an added benefit: automatic enrollment in Extra Help, which limits what you pay for covered Part D prescriptions to no more than $12.65 per drug in 2026. Apply for any Medicare Savings Program tier the same way you'd apply for New Mexico Medicaid — through the YesNM portal at yes.nm.gov, by calling HCA at 1-800-283-4465, or in person at your nearest Income Support Division office.

New Mexico Medicaid

Visit the official New Mexico Medicaid website

Income Limits in Nearby States

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