Rhode Island Medicaid Income Limits

Updated August 2026

Rhode Island's pregnant women and children income thresholds are among the higher ones in the Northeast. Adults qualify at the standard ACA expansion level of 138% FPL.

Rhode Island Medicaid income limits by coverage group (2026)

Coverage group	FPL %	Monthly limit (household of 1)	Monthly limit (household of 4)
Adults ages 19–64 (ACA expansion)	138% FPL	~$1,732/mo	~$3,564/mo
Pregnant women	253% FPL	~$3,175/mo	~$6,531/mo
Children (Medicaid and RIte Care CHIP)	Up to 261% FPL	~$3,276/mo	~$6,737/mo

Adults ages 19–64 (ACA expansion)

FPL %: 138% FPL
Monthly limit (household of 1): ~$1,732/mo
Monthly limit (household of 4): ~$3,564/mo

Pregnant women

FPL %: 253% FPL
Monthly limit (household of 1): ~$3,175/mo
Monthly limit (household of 4): ~$6,531/mo

Children (Medicaid and RIte Care CHIP)

FPL %: Up to 261% FPL
Monthly limit (household of 1): ~$3,276/mo
Monthly limit (household of 4): ~$6,737/mo

No asset test for standard Rhode Island Medicaid

Rhode Island does not use an asset test for MAGI-based Medicaid, which covers adults 19–64, children, and pregnant women. Savings, vehicles, and home equity do not affect eligibility.

Long-term care Medicaid — for seniors needing nursing facility or home-based care — does apply asset limits. Rhode Island's Community Choice Waiver and nursing facility programs follow federal spousal impoverishment rules. Contact EOHHS or a Rhode Island elder law attorney for long-term care eligibility details.

How Rhode Island counts income for Medicaid

Rhode Island uses MAGI methodology for most Medicaid categories, counting income in the same way as a federal tax return — with a few modifications.

Wages, salaries, tips, and self-employment income count
Social Security benefits count for most adult categories
Unemployment benefits count
Child support received counts as income
A 5% income disregard applies to the adult expansion group at 138% FPL
Gifts, inheritances, and one-time lump sums generally do not count as income under MAGI
Household size follows IRS tax dependency rules, not just who lives in the home

Rhode Island's pregnant women coverage: 253% FPL

Rhode Island's 253% FPL income limit for pregnant women is one of the higher thresholds in the country — well above the federal minimum of 133% FPL. This means many Rhode Island women who would not qualify for standard adult Medicaid (138% FPL) can still get comprehensive prenatal, delivery, and postpartum coverage through Medicaid while pregnant. Pregnancy Medicaid includes prenatal care, delivery, postpartum care through 60 days after delivery, and access to behavioral health services — all through the same managed care plans as standard Rhode Island Medicaid.