Oklahoma Medicaid Income Limits
Updated August 2026
Oklahoma uses MAGI (Modified Adjusted Gross Income) income rules for most SoonerCare eligibility groups. MAGI counts wages, self-employment income, alimony received, and most other taxable income. There is no asset test for MAGI-based eligibility groups — savings and property do not count.
SoonerCare income limits by coverage group (2026 approximate)
| Coverage group | FPL % | ~Monthly limit (1 person) | ~Monthly limit (family of 4) |
|---|---|---|---|
| Adults 19–64 — ACA expansion | 138% FPL | ~$1,732/mo | ~$3,588/mo |
| Pregnant women | 200% FPL | ~$2,509/mo | ~$5,193/mo |
| Children under age 19 | Up to 205% FPL (SoonerCare) / 205%+ CHIP | Varies by age | ~$5,300/mo at 205% |
| Seniors 65+ and people with disabilities | Non-MAGI rules apply | Separate rules | Varies |
Adults 19–64 — ACA expansion
- FPL %
- 138% FPL
- ~Monthly limit (1 person)
- ~$1,732/mo
- ~Monthly limit (family of 4)
- ~$3,588/mo
Pregnant women
- FPL %
- 200% FPL
- ~Monthly limit (1 person)
- ~$2,509/mo
- ~Monthly limit (family of 4)
- ~$5,193/mo
Children under age 19
- FPL %
- Up to 205% FPL (SoonerCare) / 205%+ CHIP
- ~Monthly limit (1 person)
- Varies by age
- ~Monthly limit (family of 4)
- ~$5,300/mo at 205%
Seniors 65+ and people with disabilities
- FPL %
- Non-MAGI rules apply
- ~Monthly limit (1 person)
- Separate rules
- ~Monthly limit (family of 4)
- Varies
No asset test for most SoonerCare groups
MAGI-based SoonerCare eligibility has no asset test. A car, savings account, or home equity do not affect eligibility. This applies to the ACA expansion group, pregnant women, and children. Long-term care Medicaid for seniors and adults with disabilities uses different non-MAGI rules that do include asset limits.
MAGI income counting excludes some sources: child support received is not counted. Irregular one-time income (like a tax refund or sale of property) may or may not count depending on the circumstances. If you are uncertain whether a specific income source counts, apply and let OHCA make the determination.
Medicaid expansion and what changed in 2021
Before State Question 802, most able-bodied adults without dependent children did not qualify for SoonerCare at any income level. Expansion opened SoonerCare to this group for the first time. The expansion group — adults 19 to 64 with income at or below 138% FPL — is funded with a 90% federal match under the ACA. Oklahoma pays only 10% of the cost for these members.
Adults above 138% FPL who need coverage can apply for ACA marketplace coverage at healthcare.gov. Income between 138% and 400% FPL qualifies for premium tax credits. The Oklahoma Insurance Department at oid.ok.gov has information on state marketplace options.
Income rules for seniors and long-term care
Older Oklahomans applying for Medicaid-funded long-term care — nursing facility coverage, the ADvantage Waiver, or other HCBS programs — are evaluated under separate non-MAGI rules. Both income and assets are reviewed. Contact the Oklahoma DHS Aging Services Division at 1-405-521-2281 or the local Long-Term Care Ombudsman for program-specific eligibility criteria.
Oklahoma Health Care Authority (SoonerCare)
Visit the official Oklahoma 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 →