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)
| Household size | Adults 19–64 (138% FPL) | Pregnant women (250% FPL) | Children 0–5 (300% FPL) | Children 6–18 (240% FPL) |
|---|---|---|---|---|
| 1 | $1,836/mo | $3,325/mo | $3,990/mo | $3,192/mo |
| 2 | $2,489/mo | $4,509/mo | $5,410/mo | $4,328/mo |
| 3 | $3,142/mo | $5,692/mo | $6,830/mo | $5,464/mo |
| 4 | $3,795/mo | $6,875/mo | $8,250/mo | $6,600/mo |
| 5 | $4,449/mo | $8,059/mo | $9,670/mo | $7,736/mo |
| 6 | $5,102/mo | $9,242/mo | $11,090/mo | $8,872/mo |
| 7 | $5,755/mo | $10,425/mo | $12,510/mo | $10,008/mo |
| 8 | $6,408/mo | $11,609/mo | $13,930/mo | $11,144/mo |
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.
| Category | Income limit | Asset limit |
|---|---|---|
| SSI recipients | Automatic with SSI ($994/mo, 2026) | $2,000 individual / $3,000 couple |
| Nursing facility / Mi Via waiver (IC/Waiver) | $2,982/mo (300% FBR, 2026) | $2,000 individual |
| Working Disabled Individuals (WDI) buy-in | Earned income up to 250% FPL | $10,000 individual / $15,000 couple |
| Medicare Savings Programs (QMB/SLMB/QI-1) | 100%–135% FPL depending on program | No resource test (as of 2026) |
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)
New Mexico Medicaid
Visit the official New Mexico 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 →