North Dakota Medicaid Income Limits

Updated August 2026

Income limits for North Dakota Medicaid vary by coverage group and household size. Figures below are approximate — verify current thresholds with North Dakota Medicaid directly.

North Dakota Medicaid income limits by coverage group (2026)

Coverage group	FPL %	Monthly limit (household of 1)	Monthly limit (household of 4)
Adults ages 19–64 (Medicaid Expansion)	138% FPL	$1,836/mo	$3,795/mo
Children birth through age 5	152% FPL	$2,022/mo	$4,180/mo
Children ages 6–18	138% FPL	$1,836/mo	$3,795/mo
Pregnant women	175% FPL	$2,328/mo	$4,813/mo
Parents and caretaker relatives	41% FPL	$517/mo	$1,048/mo
Aged, blind, or disabled (ABD)	90% FPL	$1,197/mo	$2,475/mo
CHIP (Healthy Steps)	205% FPL	$2,727/mo	$5,638/mo

Adults ages 19–64 (Medicaid Expansion)

FPL %: 138% FPL
Monthly limit (household of 1): $1,836/mo
Monthly limit (household of 4): $3,795/mo

Children birth through age 5

FPL %: 152% FPL
Monthly limit (household of 1): $2,022/mo
Monthly limit (household of 4): $4,180/mo

Children ages 6–18

FPL %: 138% FPL
Monthly limit (household of 1): $1,836/mo
Monthly limit (household of 4): $3,795/mo

Pregnant women

FPL %: 175% FPL
Monthly limit (household of 1): $2,328/mo
Monthly limit (household of 4): $4,813/mo

Parents and caretaker relatives

FPL %: 41% FPL
Monthly limit (household of 1): $517/mo
Monthly limit (household of 4): $1,048/mo

Aged, blind, or disabled (ABD)

FPL %: 90% FPL
Monthly limit (household of 1): $1,197/mo
Monthly limit (household of 4): $2,475/mo

CHIP (Healthy Steps)

FPL %: 205% FPL
Monthly limit (household of 1): $2,727/mo
Monthly limit (household of 4): $5,638/mo

No asset test for most North Dakota Medicaid groups

MAGI-based Medicaid — which covers expansion adults, children, pregnant women, and parents — does not use an asset test. Savings accounts, vehicles, and home equity are not counted. Only the aged, blind, and disabled group has a financial asset review.

For ABD coverage, the asset limit is $3,000 for a single person and $6,000 for a couple. Excluded assets include the person's home, one vehicle, household furnishings, irrevocable burial plans, and certain personal items. The long-term care asset limit is the same — $3,000 for a single applicant — with an additional spousal protection amount for married couples.

Client share for people over the income limit

North Dakota operates a "client share" option for people in certain groups (aged/blind/disabled, children, pregnant women, and parents) whose income exceeds the standard Medicaid limit but who have high medical bills. Client share works like a monthly deductible — the applicant must pay a calculated share amount toward their medical bills before Medicaid pays.

The client share amount equals the household's monthly gross countable income minus allowable deductions and minus the applicable income limit. This approach allows people with significant medical needs to access Medicaid even if their income is above the standard threshold. Contact ND HHS at 1-800-755-2604 to determine if client share may apply to your situation.