NJ FamilyCare Income Limits 2026: New Jersey Medicaid Chart by Household Size

New Jersey's own chart, effective January 1, 2026, lets one adult have up to $1,836 a month and a household of four up to $3,795 a month for adults, which is 138%* of the federal poverty level. Every figure below comes from the state agency's own chart, effective January 1, 2026, 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 New Jersey's chart amount for this group.

Your income, a year
$18,000
Household size used in the chart
1
New Jersey chart amount, a year, 138%*
$22,032
New Jersey chart amount, a month
$1,836

This is not an eligibility decision. New Jersey Division of Medical Assistance and Health Services (DMAHS) decides what income counts (MAGI rules), who is in the household and the final result. Apply to find out: NJ FamilyCare: Apply.

New Jersey Medicaid income limit chart, 2026

Monthly and annual limits by household size for each group the New Jersey Division of Medical Assistance and Health Services (DMAHS) 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 January 1, 2026.

Medicaid income limits by household size and coverage group
Household sizeAdults 19 to 64 (Single Adults & Parents - ABP)138%*Effective January 1, 2026Parents (same Single Adults & Parents - ABP column)138%*Effective January 1, 2026Pregnant women (Newborns & Pregnant Women - A)199%*Effective January 1, 2026Pregnant women (CHIP Pregnant Women - A column)205%*Effective January 1, 2026Newborns (Newborns & Pregnant Women - A)199%*Effective January 1, 2026Children's Medicaid MCHIP - A147%*Effective January 1, 2026Children under 19 (CHIP Children - D, top band)355%*Effective January 1, 2026
1$1,836 a month$22,025 a year$1,836 a month$22,025 a year$2,647 a month$31,761 a year$2,727 a month$32,718 a year$2,647 a month$31,761 a year$1,956 a month$23,462 a year$4,722 a month$56,658 a year
2$2,489 a month$29,864 a year$2,489 a month$29,864 a year$3,589 a month$43,064 a year$3,697 a month$44,362 a year$3,589 a month$43,064 a year$2,651 a month$31,811 a year$6,402 a month$76,822 a year
3$3,142 a month$37,702 a year$3,142 a month$37,702 a year$4,531 a month$54,367 a year$4,668 a month$56,006 a year$4,531 a month$54,367 a year$3,347 a month$40,161 a year$8,083 a month$96,986 a year
4$3,795 a month$45,540 a year$3,795 a month$45,540 a year$5,473 a month$65,670 a year$5,638 a month$67,650 a year$5,473 a month$65,670 a year$4,043 a month$48,510 a year$9,763 a month$117,150 a year
5$4,449 a month$53,379 a year$4,449 a month$53,379 a year$6,415 a month$76,974 a year$6,608 a month$79,294 a year$6,415 a month$76,974 a year$4,739 a month$56,860 a year$11,443 a month$137,314 a year
6$5,102 a month$61,217 a year$5,102 a month$61,217 a year$7,357 a month$88,277 a year$7,579 a month$90,938 a year$7,357 a month$88,277 a year$5,435 a month$65,210 a year$13,124 a month$157,478 a year
7$5,755 a month$69,056 a year$5,755 a month$69,056 a year$8,299 a month$99,580 a year$8,549 a month$102,582 a year$8,299 a month$99,580 a year$6,130 a month$73,559 a year$14,804 a month$177,642 a year
8$6,408 a month$76,894 a year$6,408 a month$76,894 a year$9,241 a month$110,883 a year$9,519 a month$114,226 a year$9,241 a month$110,883 a year$6,826 a month$81,909 a year$16,484 a month$197,806 a year
  • Adults 19 to 64 (Single Adults & Parents - ABP): The asterisk is the chart's "5% MAGI Related Disregard" footnote. The same chart prints a plain 133% column ($1,769 a month for one).
  • Parents (same Single Adults & Parents - ABP column): The chart's column is headed Single Adults & Parents - ABP, so parents share the adult amounts; the chart also lists a MAGI - AFDC Medicaid - A column ($233 a month for one) that is not shown here.
  • Pregnant women (CHIP Pregnant Women - A column): The chart prints this column under CHIP Pregnant Women - A, Plan First - Family Planning and CHIP Children - C.
  • Children under 19 (CHIP Children - D, top band): The chart also lists CHIP Children bands B (150%), C (185%, 200% and 205%*) and D (300%, 350% and 355%*); the top band is the one the Department's children page describes.
  • The chart is headed "DMAHS INCOME STANDARDS EFFECTIVE JANUARY 1, 2026" and says "Variances due to rounding may occur." Medicaid Communication 26-03, dated February 26, 2026, says the new standards are retroactively effective January 1, 2026 for all programs.
  • Columns marked with an asterisk include the 5% MAGI related disregard (the chart's footnote reads "*5% MAGI Related Disregard"), so the checker adds nothing on top. The adults page says that for a single person 138% is $1,836 a month and for a family of 4 it is $3,795 a month (2026 guidelines).
  • The children's page says NJ FamilyCare/Medicaid provides health care coverage to New Jersey children under age 19 whose family income is at or below 355% of the Federal Poverty Level, $9,763 a month for a family of 4 (2026 guidelines).

Chart sources: NJ Division of Medical Assistance and Health Services: Medicaid Communication 26-03, DMAHS Income Standards Effective January 1, 2026; NJ FamilyCare: Adults; NJ FamilyCare: Children.

How New Jersey 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 New Jersey's chart, the amounts for Adults 19 to 64 (Single Adults & Parents - ABP); Parents (same Single Adults & Parents - ABP column); Pregnant women (Newborns & Pregnant Women - A); Pregnant women (CHIP Pregnant Women - A column); Newborns (Newborns & Pregnant Women - A); Children's Medicaid MCHIP - A; Children under 19 (CHIP Children - D, top band) 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)

New Jersey Medicaid programs and expansion

NJ FamilyCare's adults page says an adult 19 to 64 qualifies when total family income is at or below 138% of the federal poverty level, and the Department's chart lists a Single Adults & Parents - ABP column at 133% and at 138% with the 5% MAGI related disregard; Medicaid.gov's table, as of December 1, 2023, shows the expansion group at 133% for New Jersey.

  • NJ FamilyCare Plan ABP (Alternative Benefit Plan). The plan type for the adults in the table at 138%. NJ FamilyCare's work requirements page says the 2027 requirements apply to certain adults 19 to 64 on Plan ABP.
  • Children's Medicaid and CHIP. The Department's chart lists Children's Medicaid at 147% (with the disregard) and CHIP children bands B, C and D; its children's page says NJ FamilyCare covers children under age 19 at or below 355% of the federal poverty level. The table shows the lowest Children's Medicaid line and the top CHIP D line.
  • Newborns and pregnant women. The chart lists Newborns and Pregnant Women at 199% (with the disregard) and a CHIP Pregnant Women column at 205% (with the disregard), shown as two pregnant groups in the checker.

How to apply for Medicaid in New Jersey

NJ FamilyCare's website says it strongly encourages you to apply online, the fastest and easiest way, and that an online account lets you save an application, check its status, upload documents and renew online. For help, call 1-800-701-0710 (TTY: 711). You can also apply through Get Covered NJ, New Jersey's own Marketplace; HealthCare.gov sends New Jersey residents there.

NJ FamilyCare: Apply

New Jersey Medicaid changes in 2027

NJ FamilyCare's page says that beginning January 1, 2027 certain adults 19 to 64 on Plan ABP will have to work, volunteer or go to school, and that most of them will also renew every 6 months; it says the changes do not affect everyone and lists exclusions and exceptions.

“Beginning January 1, 2027, certain adults ages 19 to 64 who are on NJ FamilyCare Plan ABP (Alternative Benefit Plan) will have to work, volunteer, or go to school to qualify for or keep their NJ FamilyCare coverage.”
NJ FamilyCare, Community Engagement / Work Requirements (source)
“Most of these members will also need to renew their coverage every 6 months instead of every 12 months as they do currently. If work requirements apply to you, NJ FamilyCare will send you a letter with more information.”
NJ FamilyCare, Community Engagement / Work Requirements (source)
“These changes do not affect everyone. Some people may be excluded because of their age, health, family situation, or other circumstances.”
NJ FamilyCare, Community Engagement / Work Requirements (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 New Jersey Medicaid income limit in 2026?

New Jersey's own chart, effective January 1, 2026, lets one adult have up to $1,836 a month and a household of four up to $3,795 a month for adults, which is 138%* of the federal poverty level.

Did New Jersey expand Medicaid?

NJ FamilyCare's adults page says an adult 19 to 64 qualifies when total family income is at or below 138% of the federal poverty level, and the Department's chart lists a Single Adults & Parents - ABP column at 133% and at 138% with the 5% MAGI related disregard; Medicaid.gov's table, as of December 1, 2023, shows the expansion group at 133% for New Jersey.

How do I apply for Medicaid in New Jersey?

NJ FamilyCare's website says it strongly encourages you to apply online, the fastest and easiest way, and that an online account lets you save an application, check its status, upload documents and renew online. For help, call 1-800-701-0710 (TTY: 711). You can also apply through Get Covered NJ, New Jersey's own Marketplace; HealthCare.gov sends New Jersey residents there.

What changes for New Jersey Medicaid in 2027?

NJ FamilyCare's page says that beginning January 1, 2027 certain adults 19 to 64 on Plan ABP will have to work, volunteer or go to school, and that most of them will also renew every 6 months; it says the changes do not affect everyone and lists exclusions and exceptions. 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 New Jersey 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 New Jersey Division of Medical Assistance and Health Services (DMAHS) or see Medicare vs Medicaid on this site.

How often does New Jersey update its Medicaid income limits?

The charts follow the federal poverty guidelines, which HHS updates each year, and New Jersey's chart took effect January 1, 2026. FedRateCalc will look for New Jersey'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 New Jersey Division of Medical Assistance and Health Services (DMAHS) before relying on a figure.

Sources

All sources are government pages, read October 30, 2026. The Medicaid.gov table is dated December 1, 2023 and is used only as a cross-check.