New York Medicaid Income Limits 2026: Household Chart and Over 65 Levels

New York'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% (133% plus the 5% disregard) 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

Coverage group

People in the household

Income period

Household income before taxes

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 York's chart amount for this group.

Your income, a year: $18,000
Household size used in the chart: 1
New York chart amount, a year, 138% (133% plus the 5% disregard): $22,032
New York chart amount, a month: $1,836

This is not an eligibility decision. New York State Department of Health decides what income counts (MAGI rules), who is in the household and the final result. Apply to find out: NY State of Health.

New York Medicaid income limit chart, 2026

Monthly and annual limits by household size for each group the New York State Department of Health 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 size	Adults 19 to 64138% (133% plus the 5% disregard)Effective January 1, 2026	Parents and caretaker relatives138%Effective January 1, 2026	Pregnant consumers223%Effective January 1, 2026	Children under age 1223%Effective January 1, 2026	Children age 1 through 5154%Effective January 1, 2026	Children age 6 through 18154%Effective January 1, 2026
1	$1,836 a month$22,025 a year	$1,836 a month$22,025 a year	not listed	$2,966 a month$35,591 a year	$2,049 a month$24,579 a year	$2,049 a month$24,579 a year
2	$2,489 a month$29,864 a year	$2,489 a month$29,864 a year	$4,022 a month$48,258 a year	$4,022 a month$48,258 a year	$2,778 a month$33,326 a year	$2,778 a month$33,326 a year
3	$3,142 a month$37,702 a year	$3,142 a month$37,702 a year	$5,077 a month$60,924 a year	$5,077 a month$60,924 a year	$3,507 a month$42,073 a year	$3,507 a month$42,073 a year
4	$3,795 a month$45,540 a year	$3,795 a month$45,540 a year	$6,133 a month$73,590 a year	$6,133 a month$73,590 a year	$4,235 a month$50,820 a year	$4,235 a month$50,820 a year
5	$4,449 a month$53,379 a year	$4,449 a month$53,379 a year	$7,189 a month$86,257 a year	$7,189 a month$86,257 a year	$4,964 a month$59,568 a year	$4,964 a month$59,568 a year
6	$5,102 a month$61,217 a year	$5,102 a month$61,217 a year	$8,244 a month$98,923 a year	$8,244 a month$98,923 a year	$5,693 a month$68,315 a year	$5,693 a month$68,315 a year
7	$5,755 a month$69,056 a year	$5,755 a month$69,056 a year	$9,300 a month$111,590 a year	$9,300 a month$111,590 a year	$6,422 a month$77,062 a year	$6,422 a month$77,062 a year
8	$6,408 a month$76,894 a year	$6,408 a month$76,894 a year	$10,355 a month$124,256 a year	$10,355 a month$124,256 a year	$7,151 a month$85,809 a year	$7,151 a month$85,809 a year

Adults 19 to 64: The chart row for single people and childless couples lists a 100% line and a 138% line; this table shows the 138% line.
Children age 6 through 18: The state chart lists two lines for this age band, 110% and 154% of FPL; this table shows the 154% line.

The Department of Health's GIS 26 MA/05 says the revised federal poverty levels are effective January 1, 2026 and that the updated levels were to be available in its budgeting system on February 17, 2026.
The "Under Age 21" and "SSI-Related" rows of the non-MAGI chart use the same Medicaid Income Level, and the SSI-related row notes that household size is always one or two.

Chart sources: New York State Department of Health: GIS 26 MA/05 attachment, 2026 FPL Chart (MAGI and non-MAGI standards); New York State Department of Health: GIS 26 MA/05, 2026 Federal Poverty Levels.

How New York 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 York's chart, the amounts for Adults 19 to 64; Parents and caretaker relatives; Pregnant consumers; Children under age 1; Children age 1 through 5; Children age 6 through 18 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 York Medicaid programs and expansion

New York's 2026 MAGI standards set parents and caretaker relatives, adults 19 to 64 and other adult groups at 138% of FPL, the 133% adult group plus the 5% disregard.

Medicaid (MAGI groups). Adults 19 to 64 who are not eligible for Medicare, children 1 to 18, infants under 1, pregnant individuals, and parents and caretaker relatives apply through NY State of Health.
Child Health Plus. New York's CHIP; this page does not show its limits because the NYSDOH chart used here does not list them.
Non-MAGI Medicaid (age 65 and older). Uses a "Medicaid Income Level" and a resource test; see the table below.

New York Medicaid income level for people 65 and older

SSI-related (non-MAGI) Medicaid Income Level, which includes people 65 and older and people who are blind or disabled
Household	Monthly income	Resource limit
Individual	$1,836	$33,038
Couple	$2,489	$44,796

SSI-related (non-MAGI) Medicaid Income Level, which includes people 65 and older and people who are blind or disabled, effective January 1, 2026. The Department of Health's chart notes that household size is always one or two. Other non-MAGI programs, long-term care and the Medicare Savings Programs use other levels; see Medicare vs Medicaid and Extra Help income limits.

“Household size is always one or two.”

New York State Department of Health, GIS 26 MA/05 attachment, non-MAGI chart (source)

How to apply for Medicaid in New York

The Department of Health lists three ways to apply: through NY State of Health, through a managed care organization, or through your local department of social services. Where you apply depends on your category.

NY State of Health · HealthCare.gov Medicaid and CHIP

New York Medicaid changes in 2027

The Department of Health's Medicaid page gives January 1, 2027 and does not, on that page, say which groups the requirement applies to.

“Starting January 1, 2027, some people who have Medicaid coverage will need to show they are working, going to school, helping out in the community, or participating in job training to keep their health coverage.”

New York State Department of Health, Medicaid (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 York Medicaid income limit in 2026?

Did New York expand Medicaid?

New York's 2026 MAGI standards set parents and caretaker relatives, adults 19 to 64 and other adult groups at 138% of FPL, the 133% adult group plus the 5% disregard.

How do I apply for Medicaid in New York?

What changes for New York Medicaid in 2027?

The Department of Health's Medicaid page gives January 1, 2027 and does not, on that page, say which groups the requirement applies to. The charts on this page are 2026 charts; the community engagement requirement and six-month renewals are separate from the income limits.

What is the New York Medicaid income limit for people over 65?

For the SSI-related non-MAGI group, which includes people 65 and older and people who are blind or disabled, the New York State Department of Health's 2026 chart lists a Medicaid Income Level of $1,836 a month for one person and $2,489 for a couple, effective January 1, 2026, with resource limits of $33,038 and $44,796. The chart notes that household size is always one or two. Long-term care and other programs can use other rules.

How often does New York update its Medicaid income limits?

The charts follow the federal poverty guidelines, which HHS updates each year, and New York's chart took effect January 1, 2026. FedRateCalc will look for New York's 2027 chart after HHS publishes the 2027 guidelines.

FedRateCalc is not a government site and cannot decide eligibility. Charts change when the state updates them; confirm with the New York State Department of Health 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.