Michigan Medicaid Income Limits 2026: Healthy Michigan Plan and Other Groups

Michigan's manual BEM 211 sets the Healthy Michigan Plan limit for adults 19 to 64 at 133% of the federal poverty level, which FedRateCalc calculates as $1,769 a month for one adult and $3,658 for a household of four in 2026. Michigan publishes the percentages, and this page turns them into dollars with the 2026 poverty guidelines. The state prints percentages and no 2026 dollar chart on the pages checked, so every dollar figure below is FedRateCalc's calculation from the state's percentage and the 2026 poverty guidelines (percentages effective December 1, 2025 (BEM 211), applied here to the 2026 poverty guidelines), not from 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 Michigan's calculated amount for this group.

Your income, a year
$18,000
Household size used in the chart
1
Michigan calculated amount, a year, 133%
$21,228
Michigan calculated amount, a month
$1,769
Calculated amount plus 5 percent of FPL, a year
$22,026

This is not an eligibility decision. Michigan Department of Health and Human Services (MDHHS) decides what income counts (MAGI rules), who is in the household and the final result. Apply to find out: MI Bridges.

Michigan Medicaid income limit chart, 2026

Monthly and annual limits by household size for each group the Michigan Department of Health and Human Services (MDHHS) 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, or, for the groups marked "Computed by FedRateCalc", the state's percentage times the 2026 poverty guideline, divided by 12 and rounded to a dollar). The state chart effective date is December 1, 2025 (BEM 211), applied here to the 2026 poverty guidelines.

Medicaid income limits by household size and coverage group
Household sizeAdults 19 to 64 (Healthy Michigan Plan)133%Computed by FedRateCalcEffective percentage from BEM 211 dated 12-1-2025Parents and caretakers (PCR)54%Computed by FedRateCalcEffective percentage from BEM 211 dated 12-1-2025Pregnant women of any age (PW)195%Computed by FedRateCalcEffective percentage from BEM 211 dated 12-1-2025Children birth to age 1 (U-19)195%Computed by FedRateCalcEffective percentage from BEM 211 dated 12-1-2025Children age 1 to 19 (U-19)160%Computed by FedRateCalcEffective percentage from BEM 211 dated 12-1-2025MIChild, children birth to age 19212%Computed by FedRateCalcEffective percentage from BEM 211 dated 12-1-2025
1$1,769 a month$21,228 a year$718 a month$8,616 a year$2,594 a month$31,128 a year$2,594 a month$31,128 a year$2,128 a month$25,536 a year$2,820 a month$33,840 a year
2$2,398 a month$28,776 a year$974 a month$11,688 a year$3,517 a month$42,204 a year$3,517 a month$42,204 a year$2,885 a month$34,620 a year$3,823 a month$45,876 a year
3$3,028 a month$36,336 a year$1,229 a month$14,748 a year$4,440 a month$53,280 a year$4,440 a month$53,280 a year$3,643 a month$43,716 a year$4,827 a month$57,924 a year
4$3,658 a month$43,896 a year$1,485 a month$17,820 a year$5,363 a month$64,356 a year$5,363 a month$64,356 a year$4,400 a month$52,800 a year$5,830 a month$69,960 a year
5$4,287 a month$51,444 a year$1,741 a month$20,892 a year$6,286 a month$75,432 a year$6,286 a month$75,432 a year$5,157 a month$61,884 a year$6,833 a month$81,996 a year
6$4,917 a month$59,004 a year$1,996 a month$23,952 a year$7,209 a month$86,508 a year$7,209 a month$86,508 a year$5,915 a month$70,980 a year$7,837 a month$94,044 a year
7$5,546 a month$66,552 a year$2,252 a month$27,024 a year$8,132 a month$97,584 a year$8,132 a month$97,584 a year$6,672 a month$80,064 a year$8,840 a month$106,080 a year
8$6,176 a month$74,112 a year$2,507 a month$30,084 a year$9,055 a month$108,660 a year$9,055 a month$108,660 a year$7,429 a month$89,148 a year$9,844 a month$118,128 a year
  • BEM 211 lists percentages of the federal poverty level and no dollar amounts, so every dollar figure on this page is FedRateCalc's calculation from the state's percentage: the percentage times the 2026 poverty guideline for the household size, divided by 12 and rounded to a dollar. The manual page is BPB 2025-030, dated 12-1-2025, read from the Internet Archive capture of 2026-02-15.
  • BEM 500 says the 5 percent disregard is an amount equal to 5 percent of the poverty level for the family size, not a flat 5 percent off income, that it applies to the highest income threshold and that it applies only if required to make someone eligible for Medicaid. The checker adds it for the groups at their highest threshold.
  • MDHHS says Healthy Michigan Plan eligibility is determined through the Modified Adjusted Gross Income methodology.

Chart sources: Michigan MDHHS: Bridges Eligibility Manual BEM 211, MA Group Composition (BPB 2025-030, 12-1-2025); Michigan MDHHS: Bridges Eligibility Manual BEM 500, Income Overview (5 percent disregard).

How Michigan 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)

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)

In Michigan's chart, the amounts for Adults 19 to 64 (Healthy Michigan Plan); Pregnant women of any age (PW); Children birth to age 1 (U-19); Children age 1 to 19 (U-19); MIChild, children birth to age 19 are the plain percentage. The checker above adds 5 percent of the 2026 guideline to those amounts as its own calculation to show income that is just over the printed amount.

Michigan Medicaid programs and expansion

MDHHS calls the Healthy Michigan Plan (HMP) "Michigan’s Medicaid expansion program created under the Affordable Care Act" and covers adults 19 to 64 at or below 133% of the federal poverty level using MAGI.

  • Healthy Michigan Plan (HMP). Adults 19 to 64 at or below 133% of the federal poverty level who do not qualify for Medicare or other Medicaid and are not pregnant at the time of application.
  • Parents and caretakers (PCR). BEM 211 sets the limit for parents and caretakers at 54 percent of the federal poverty level.
  • U-19 Medicaid and Pregnant Women (PW). Children birth to age 1 at 195 percent, children age 1 to 19 at 160 percent and pregnant women of any age at 195 percent of the federal poverty level.
  • MIChild. BEM 211 sets the MIChild limit for children birth to age 19 at 212 percent of the federal poverty level.
  • Plan First. A family planning program with an income limit of 195 percent of the federal poverty level in BEM 211; it is not shown in the tables.

How to apply for Medicaid in Michigan

MDHHS says to apply online at michigan.gov/mibridges, call the Michigan Health Care Helpline at 1-855-789-5610 or visit your MDHHS local county office. HealthCare.gov also takes Medicaid applications.

MI Bridges · HealthCare.gov Medicaid and CHIP

Michigan Medicaid changes in 2027

MDHHS says Healthy Michigan Plan work requirements begin January 1, 2027, and on a page captured October 6, 2026 it says it is reviewing the federal rule released Monday, June 1.

“Starting January 1, 2027, some adults applying for or already receiving Medicaid through the Healthy Michigan Plan (HMP) will need to work or complete other approved activities to keep their health coverage.”
Michigan MDHHS, New Healthy Michigan Plan Work Requirements (source)
“Even if you're on HMP, you may be excused from meeting work requirements. This is called having an exemption.”
Michigan MDHHS, New Healthy Michigan Plan Work Requirements (source)
“The federal government released a new rule Monday, June 1. MDHHS is reviewing the rule and will provide updates and additional detail as needed.”
Michigan MDHHS, New Healthy Michigan Plan Work Requirements (page captured October 6, 2026) (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 Michigan Medicaid income limit in 2026?

Michigan's manual BEM 211 sets the Healthy Michigan Plan limit for adults 19 to 64 at 133% of the federal poverty level, which FedRateCalc calculates as $1,769 a month for one adult and $3,658 for a household of four in 2026. Michigan publishes the percentages, and this page turns them into dollars with the 2026 poverty guidelines.

Did Michigan expand Medicaid?

MDHHS calls the Healthy Michigan Plan (HMP) "Michigan’s Medicaid expansion program created under the Affordable Care Act" and covers adults 19 to 64 at or below 133% of the federal poverty level using MAGI.

How do I apply for Medicaid in Michigan?

MDHHS says to apply online at michigan.gov/mibridges, call the Michigan Health Care Helpline at 1-855-789-5610 or visit your MDHHS local county office. HealthCare.gov also takes Medicaid applications.

What changes for Michigan Medicaid in 2027?

MDHHS says Healthy Michigan Plan work requirements begin January 1, 2027, and on a page captured October 6, 2026 it says it is reviewing the federal rule released Monday, June 1. 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 Michigan 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 Michigan Department of Health and Human Services (MDHHS) or see Medicare vs Medicaid on this site.

How often does Michigan update its Medicaid income limits?

The charts follow the federal poverty guidelines, which HHS updates each year, and Michigan's source on this page is dated December 1, 2025 (BEM 211), applied here to the 2026 poverty guidelines. FedRateCalc will look for Michigan's 2027 percentages 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 Michigan Department of Health and Human Services (MDHHS) 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.