Washington Medicaid Income Limits
Updated August 2026
Washington expanded Medicaid under the ACA. Income limits are expressed as percentages of the Federal Poverty Level (FPL). Dollar amounts below reflect HCA's official Apple Health income and resource standards, effective January 1, 2026.
Washington has some of the highest child income limits in the country
Apple Health for Kids covers children up to 317% of the Federal Poverty Level (Medicaid to 215% FPL, then CHIP to 317% FPL) — roughly $101,900 per year for a family of four. This is substantially higher than the national Medicaid/CHIP norm. Verify current figures at wahealthplanfinder.org or call HCA at 1-855-923-4633.
Apple Health income limits by coverage group (2026)
| Coverage group | Income limit (% FPL) | Approx. annual (1 person or family of 4) |
|---|---|---|
| Adults ages 19–64 (ACA expansion) | 138% FPL | ~$21,600/yr (1 person) |
| Pregnant individuals | 215% FPL | ~$33,648/yr (1 person) |
| Children (Apple Health for Kids) | up to 317% FPL | ~$101,900/yr (family of 4) |
| Parents and caretaker relatives | 138% FPL | ~$21,600/yr (1 person) |
| SSI recipients | SSI limit | Automatic eligibility |
| Long-term care / nursing facility | 300% FBR | ~$2,982/mo (2026) |
Adults ages 19–64 (ACA expansion)
- Income limit (% FPL)
- 138% FPL
- Approx. annual (1 person or family of 4)
- ~$21,600/yr (1 person)
Pregnant individuals
- Income limit (% FPL)
- 215% FPL
- Approx. annual (1 person or family of 4)
- ~$33,648/yr (1 person)
Children (Apple Health for Kids)
- Income limit (% FPL)
- up to 317% FPL
- Approx. annual (1 person or family of 4)
- ~$101,900/yr (family of 4)
Parents and caretaker relatives
- Income limit (% FPL)
- 138% FPL
- Approx. annual (1 person or family of 4)
- ~$21,600/yr (1 person)
SSI recipients
- Income limit (% FPL)
- SSI limit
- Approx. annual (1 person or family of 4)
- Automatic eligibility
Long-term care / nursing facility
- Income limit (% FPL)
- 300% FBR
- Approx. annual (1 person or family of 4)
- ~$2,982/mo (2026)
Adult Apple Health income limits by household size (2026)
| Household size | Annual limit (138% FPL) | Monthly equivalent |
|---|---|---|
| 1 person | $21,600 | $1,800/mo |
| 2 people | $29,196 | $2,433/mo |
| 3 people | $36,780 | $3,065/mo |
| 4 people | $44,364 | $3,697/mo |
| 5 people | $51,960 | $4,330/mo |
| 6 people | $59,544 | $4,962/mo |
| 7 people | $67,140 | $5,595/mo |
| 8 people | $74,736 | $6,228/mo |
| Each additional person | add $7,584/yr |
1 person
- Annual limit (138% FPL)
- $21,600
- Monthly equivalent
- $1,800/mo
2 people
- Annual limit (138% FPL)
- $29,196
- Monthly equivalent
- $2,433/mo
3 people
- Annual limit (138% FPL)
- $36,780
- Monthly equivalent
- $3,065/mo
4 people
- Annual limit (138% FPL)
- $44,364
- Monthly equivalent
- $3,697/mo
5 people
- Annual limit (138% FPL)
- $51,960
- Monthly equivalent
- $4,330/mo
6 people
- Annual limit (138% FPL)
- $59,544
- Monthly equivalent
- $4,962/mo
7 people
- Annual limit (138% FPL)
- $67,140
- Monthly equivalent
- $5,595/mo
8 people
- Annual limit (138% FPL)
- $74,736
- Monthly equivalent
- $6,228/mo
Each additional person
- Annual limit (138% FPL)
- add $7,584/yr
No asset test for MAGI-based Apple Health
MAGI-based Apple Health — the category covering most adults, children, and pregnant individuals — has no asset test. A bank account, car, retirement savings, or home equity does not affect eligibility for these programs. Asset tests apply only to long-term care programs administered through ALTSA.
This is a meaningful distinction: Washington is an expansion state with no asset test for its primary adult coverage category. A working adult with savings who loses a job and has income drop below 138% FPL qualifies immediately — assets do not delay eligibility.
Children's income limits: what 317% FPL means in practice
Apple Health for Kids' income limit — 215% FPL for Medicaid, extending to 317% FPL through CHIP — is among the highest of any state and covers many middle-income families who might not expect to qualify. For a family of four, the 317% FPL CHIP ceiling is approximately $101,900 per year (2026 HCA income standards). A family of two earning $65,000 would still likely qualify their children.
Children who qualify through the CHIP income range receive the same Apple Health benefits and use the same managed care plans as children enrolled through standard Medicaid. There is no separate CHIP card or program — all eligible children are enrolled through the same application process.
Apple Health (Washington Medicaid)
Visit the official Washington 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 →