Illinois Medicaid Income Limits 2026: ACA Adults, All Kids and Moms & Babies

Illinois's own chart, effective 2026 (the chart prints no day), lets one adult have up to $1,835 a month and a household of four up to $3,795 a month for adults, which is 138% (includes the 5% disregard) of the federal poverty level. Every figure below comes from the state agency's own chart, effective 2026 (the chart is titled for 2026 and prints no effective date), not from federal averages or the old Medicaid.gov table.

Maintained by Archie Chang · Charts and sources checked October 30, 2026 · Methodology & sources

Check your income

$

Enter the whole household's countable income. States count income with MAGI rules, so this is a starting point, not a decision.

Result

Your income is at or below Illinois's chart amount for this group.

Your income, a year
$18,000
Household size used in the chart
1
Illinois chart amount, a year, 138% (includes the 5% disregard)
$22,020
Illinois chart amount, a month
$1,835

This is not an eligibility decision. Illinois Department of Healthcare and Family Services (HFS) decides what income counts (MAGI rules), who is in the household and the final result. Apply to find out: abe.illinois.gov.

Illinois Medicaid income limit chart, 2026

Monthly and annual limits by household size for each group the Illinois Department of Healthcare and Family Services (HFS) prints. Bold figures are printed by the state; italic figures are FedRateCalc's calculation (a monthly figure times 12, an annual figure divided by 12). The state chart effective date is 2026 (the chart is titled for 2026 and prints no effective date).

Medicaid income limits by household size and coverage group
Household sizeAdults ("Medicaid for Adults", ACA Adult)138% (includes the 5% disregard)Effective 2026 (the chart prints no day)Family Health Plans, "Family Assist" columndollar limitsEffective October 1, 2026Pregnant women ("Moms & Babies")213% (includes the 5% disregard)Effective 2026 (the chart prints no day)Children ("Children under 18 years old (All Kids)")318% (includes the 5% disregard)Effective 2026 (the chart prints no day)
1$1,835 a month$22,024 a year$466 a month$5,592 a yearnot listed$4,229 a month$50,752 a year
2$2,488 a month$29,863 a year$631 a month$7,572 a year$3,841 a month$46,093 a year$5,734 a month$68,815 a year
3$3,141 a month$37,701 a year$797 a month$9,564 a year$4,849 a month$58,191 a year$7,239 a month$86,877 a year
4$3,795 a month$45,540 a year$963 a month$11,556 a year$5,857 a month$70,290 a year$8,745 a month$104,940 a year
5$4,448 a month$53,378 a year$1,128 a month$13,536 a year$6,865 a month$82,388 a year$10,250 a month$123,002 a year
6$5,101 a month$61,216 a year$1,294 a month$15,528 a year$7,873 a month$94,486 a year$11,755 a month$141,064 a year
7$5,754 a month$69,048 a year$1,460 a month$17,520 a year$8,882 a month$106,584 a year$13,260 a month$159,120 a year
8$6,407 a month$76,884 a year$1,625 a month$19,500 a year$9,890 a month$118,680 a year$14,765 a month$177,180 a year
  • Family Health Plans, "Family Assist" column: IDHS's table does not define "Family Assist"; HFS's flyer says most parents and caretaker relatives in Illinois are in Family Health Plans. The IDHS column is headed "Effective 10/01/2026".
  • Pregnant women ("Moms & Babies"): Both sources print no limit for a household of 1 in the 213% column. The chart row is "Pregnant Women (Moms & Babies)"; babies are covered as children (All Kids), so this page has no separate baby group.
  • Children ("Children under 18 years old (All Kids)"): The Get Covered Illinois row label says "under 18 years old"; IDHS labels the column "All Kids Assist MAGI - 318% FPL (Children)". Ask HFS about a child who is 18.
  • The Get Covered Illinois chart is titled "Program Eligibility by Federal Poverty Level for 2026" and prints no effective date. It says Medicaid income limits use 2026 Federal Poverty Levels and Marketplace income limits use 2025 ones, so its 100% column ($15,650 for one) is the Marketplace amount, not the Medicaid base.
  • The Department on Aging's 2026 standards sheet prints $1,835 for one person and $2,489 for two for the ACA Adult 138% limit and calls its figures estimates; the Get Covered Illinois chart prints $2,488 for two. This page uses the Get Covered Illinois chart for every size.
  • The Get Covered Illinois chart prints the percentages as a footnote: "Medicaid for adults: ≤138% ● Moms & Babies: ≤213% ● All Kids: ≤318%". IDHS's Workers' Action Guide table labels the same three columns "(includes 5% disregard)", so the amounts here already carry the 5 points. IDHS's adult figures (for example $2,488 for two and $5,754 for seven) match the Get Covered Illinois chart wherever both print a size; IDHS also prints sizes 7 and 8. The IDHS page was read from the Internet Archive capture of 2026-10-04.

Chart sources: Get Covered Illinois: Program Eligibility by Federal Poverty Level for 2026; Illinois DHS: Workers' Action Guide WAG 25-03-02 (2) Medical FPLs, 2026 Family Health Plans Monthly Income Standards; Illinois Department on Aging: 2026 Illinois Medicaid Income Standards & Resource Limits.

How Illinois counts the 5 percent disregard

Federal rules tell states to subtract 5 percentage points of the poverty level from income for the eligibility group with the highest income standard. That is why some state charts print a percentage such as 133% and others print the total, such as 138%.

“Effective January 1, 2014, in determining the eligibility of an individual using MAGI-based income, a state must subtract an amount equivalent to 5 percentage points of the Federal poverty level for the applicable family size only to determine the eligibility of an individual for medical assistance under the eligibility group with the highest income standard using MAGI-based methodologies in the applicable Title of the Act, but not to determine eligibility for a particular eligibility group.”
42 CFR 435.603(d)(4) (source)

In Illinois's chart, the amounts for Adults ("Medicaid for Adults", ACA Adult); Pregnant women ("Moms & Babies"); Children ("Children under 18 years old (All Kids)") already include the 5 points, so the table shows the total and the checker above has no separate step for them.

The household size in the chart for a pregnant woman counts the children she is expected to deliver:

“In the case of determining the family size of a pregnant woman, the pregnant woman is counted as herself plus the number of children she is expected to deliver. In the case of determining the family size of other individuals who have a pregnant woman in their household, the pregnant woman is counted, at State option, as either 1 or 2 person(s) or as herself plus the number of children she is expected to deliver.”
42 CFR 435.603(b), definition of family size (source)

Illinois Medicaid programs and expansion

HFS says that in Illinois households earning up to 138% of the federal poverty level qualify for Medicaid, and calls the group "ACA Adults": generally people ages 19 to 64 who do not have dependent children under 18 at home and are not on Medicare.

  • ACA Adult Medicaid. The Get Covered Illinois chart lists "Medicaid for Adults" at 138% of the federal poverty level.
  • Moms & Babies. The chart row "Pregnant Women (Moms & Babies)" has a footnote of 213%. The chart gives no household of 1 for this row.
  • All Kids. The chart row "Children under 18 years old (All Kids)" has a footnote of 318%.
  • Family Health Plans. HFS says most parents and caretaker relatives in Illinois are in Family Health Plans, not in the ACA Adult group. IDHS's 2026 Family Health Plans table has a "Family Assist" column effective 10/01/2026, shown in the table below.

How to apply for Medicaid in Illinois

HFS's flyer points to abe.illinois.gov, where customers can click "Manage My Case". HealthCare.gov also takes Medicaid applications.

abe.illinois.gov · HealthCare.gov Medicaid and CHIP

Illinois Medicaid changes in 2027

HFS's flyer gives January 1, 2027 for both work requirements and six-month renewals for ACA Adults, and says most parents and caretaker relatives are not in that group.

“The new federal law affects two groups of Medicaid customers: certain noncitizens and ACA Adults (generally people ages 19-64 who don't have dependent children under 18 at home and aren't on Medicare).”
Illinois HFS, Medicaid Rules Will Be Changing (flyer) (source)
“January 1, 2027: ACA Adults will need to report hours of work, school, volunteering or similar activities to continue receiving coverage. They will also need to renew their coverage more frequently: every six months rather than yearly.”
Illinois HFS, Medicaid Rules Will Be Changing (flyer) (source)
“You can be exempted from work requirements if you meet certain conditions, including but not limited to: you are pregnant or receiving postpartum benefits; you are a former foster youth who is under 26 years old; you are participating in a drug addiction or alcohol treatment program. A complete list of exemptions can be found by scanning the QR code below.”
Illinois HFS, Medicaid Rules Will Be Changing (flyer) (source)

The federal law behind these changes, Public Law 119-21, is explained with its exemptions and dates on the Medicaid income limits page. The income limits in the table above do not change because of it.

Frequently asked questions

What is the Illinois Medicaid income limit in 2026?

Illinois's own chart, effective 2026 (the chart prints no day), lets one adult have up to $1,835 a month and a household of four up to $3,795 a month for adults, which is 138% (includes the 5% disregard) of the federal poverty level.

Did Illinois expand Medicaid?

HFS says that in Illinois households earning up to 138% of the federal poverty level qualify for Medicaid, and calls the group "ACA Adults": generally people ages 19 to 64 who do not have dependent children under 18 at home and are not on Medicare.

How do I apply for Medicaid in Illinois?

HFS's flyer points to abe.illinois.gov, where customers can click "Manage My Case". HealthCare.gov also takes Medicaid applications.

What changes for Illinois Medicaid in 2027?

HFS's flyer gives January 1, 2027 for both work requirements and six-month renewals for ACA Adults, and says most parents and caretaker relatives are not in that group. The charts on this page are 2026 charts; the community engagement requirement and six-month renewals are separate from the income limits.

Do the same limits apply to Illinois seniors and people with disabilities?

No. Medicaid for people who are aged, blind or disabled uses different income and resource rules from the MAGI groups in this chart. Ask the Illinois Department of Healthcare and Family Services (HFS) or see Medicare vs Medicaid on this site.

How often does Illinois update its Medicaid income limits?

The charts follow the federal poverty guidelines, which HHS updates each year, and Illinois's chart took effect 2026 (the chart is titled for 2026 and prints no effective date). FedRateCalc will look for Illinois's 2027 chart after HHS publishes the 2027 guidelines.

Related pages

FedRateCalc is not a government site and cannot decide eligibility. Charts change when the state updates them; confirm with the Illinois Department of Healthcare and Family Services (HFS) before relying on a figure.

Sources

All sources are government pages, read October 30, 2026, except the pages marked below, which were read from Internet Archive captures because the agency's site refused direct connections. The Medicaid.gov table is dated December 1, 2023 and is used only as a cross-check.