Last Updated: January, 2026
Illinois residents can apply for Medicaid any time through the ABE online portal. The state processes applications within 45 days.
If approved, your coverage can start up to three months before your application date.
What You’ll Learn:
- Step-by-step application process for Illinois Medicaid
- 2026 income limits for adults, children, and seniors
- Required documents and eligibility rules
- How to check application status online
- Retroactive coverage benefits
Who Qualifies for Illinois Medicaid in 2026?
Illinois Medicaid uses your Monthly Modified Adjusted Gross Income (MAGI) to determine eligibility. The state offers different programs based on your age and situation.
Quick Eligibility Overview:
| Category | Monthly Income Limit | Asset Limit |
|---|---|---|
| Adults (19-64) | $1,835 (1 person) / $3,795 (family of 4) | None |
| Seniors (65+) | $1,304 (individual) / $1,762 (couple) | $17,500 |
| Pregnant Women | Up to $3,841 (household of 2) | None |
| Children (0-18) | Up to $8,745 (family of 4) | None |
Source: Illinois Department of Human Services, 2026 Federal Poverty Guidelines
For complete details, see our guide on Illinois Medicaid income limits 2026.
2026 Income Limits by Category
Adults (Ages 19-64)
Most working-age adults qualify under ACA expansion. You can own a home and car with no penalty.
Income Limit: 138% of Federal Poverty Level
| Household Size | Monthly Limit | Annual Limit |
|---|---|---|
| 1 Person | $1,835 | $22,025 |
| 2 People | $2,489 | $29,863 |
| 3 People | $3,142 | $37,701 |
| 4 People | $3,795 | $45,540 |
| 5 People | $4,448 | $53,378 |
Children (All Kids Assist)
Illinois covers children at much higher income limits. Coverage is premium-free for most families.
Income Limit: 318% of Federal Poverty Level
| Household Size | Monthly Limit | Annual Limit |
|---|---|---|
| 2 People | $5,735 | $68,815 |
| 3 People | $7,240 | $86,877 |
| 4 People | $8,745 | $104,940 |
| 5 People | $10,250 | $123,002 |
Pregnant Women (Moms & Babies)
Pregnant women count as two people. If you’re single and pregnant, use the “2 People” row.
Income Limit: 213% of Federal Poverty Level
| Household Size | Monthly Limit | Annual Limit |
|---|---|---|
| 2 People | $3,841 | $46,093 |
| 3 People | $4,849 | $58,191 |
| 4 People | $5,857 | $70,290 |
Seniors (65+) and People with Disabilities
This program has stricter limits and counts your assets.
Monthly Income Limits:
- Individual: $1,304
- Couple: $1,762
Asset Limit: $17,500 (bank accounts, stocks, savings)
Spenddown Option: If your income exceeds the limit, you may still qualify. You pay medical bills equal to the excess income each month. Medicaid covers the rest.
Compare limits across states in our Medicaid income limits by state guide.
How to Apply: Step-by-Step
Step 1: Gather Your Documents
Collect these documents before starting your application:
Identity Proof:
- Driver’s license
- State ID
- Passport
Income Proof:
- Pay stubs from last 30 days
- Tax returns
- Unemployment records
Residency Proof:
- Utility bill
- Lease agreement
- Mail with your Illinois address
Citizenship Proof:
- Birth certificate
- Green Card
- Naturalization papers
Step 2: Submit Your Application
Choose one of three ways to apply:
Online (Recommended):
- Go to ABE.illinois.gov
- Click “Apply for Benefits”
- Create an account to save progress
- You’ll get a tracking number instantly
By Phone:
- Call: 1-800-843-6154
- TTY: 1-866-324-5553
- Available Monday–Friday, 8 AM–5 PM
In Person:
- Visit your nearest Family Community Resource Center
- Find locations at DHS.Illinois.gov
Step 3: Application Processing
The state has 45 days to process most applications. Disability cases may take 60 days.
Important: Watch your mail for a Verification Checklist (VCL). If you receive one, respond within 10 days to avoid denial.
Check Status Online:
- Log in to ABE.illinois.gov
- Call 1-800-843-6154
Step 4: Choose Your Health Plan
Once approved, Illinois automatically assigns you to a Managed Care Organization (MCO) under HealthChoice Illinois.
Available Health Plans:
- Blue Cross Community Health Plans
- Aetna Better Health of Illinois
- Meridian Health Plan
- CountyCare (Cook County residents)
You have 90 days to switch plans if you prefer a different carrier.
To Change Plans:
- Call HealthChoice Illinois: 1-877-912-8880
- Visit EnrollHFS.Illinois.gov
Retroactive Coverage Explained
Illinois Medicaid can cover medical bills from up to three months before your application date. You must have been eligible during those months.
Example:
- You apply on March 15, 2026
- You were eligible starting January 1, 2026
- Medicaid covers bills from January, February, and March
This helps if you delayed applying due to illness or confusion.
Important Program Contacts
Application Questions
Illinois Department of Human Services (IDHS)
- Phone: 1-800-843-6154
- TTY: 1-866-324-5553
- Website: ABE.illinois.gov
Health Plan Enrollment
HealthChoice Illinois
- Phone: 1-877-912-8880
- Website: EnrollHFS.Illinois.gov
Frequently Asked Questions (2026)
Can I apply for Illinois Medicaid any time of year?
Yes. Unlike private insurance, Medicaid has open enrollment year-round. You can apply any day. If approved, coverage may start up to three months before your application date if you were eligible.
How long does Illinois Medicaid approval take?
Most applications are processed within 45 days. Disability determinations may take 60 days. Check your status online at ABE.illinois.gov or call 1-800-843-6154 to avoid delays.
What income counts for Illinois Medicaid eligibility?
Illinois uses Modified Adjusted Gross Income (MAGI). This includes wages, Social Security, unemployment, alimony, and taxable interest. It does not include Supplemental Security Income (SSI) or child support received.
Do I need to be a U.S. citizen to qualify?
No. U.S. citizens, lawful permanent residents, and certain immigrants qualify. Undocumented immigrants may qualify for emergency services only. Bring your Green Card or naturalization papers when applying.
What happens if my income is slightly over the limit?
Seniors and people with disabilities may use the Spenddown option. You pay medical bills equal to the excess income. Medicaid covers the rest. Adults under 65 may not qualify unless income drops.
Can I own a house and still get Medicaid?
Yes, if you’re applying as an adult under ACA expansion or pregnant woman. Your home and one car don’t count. Seniors and people with disabilities have a $17,500 asset limit for other assets like savings.
Sources:
- Illinois Department of Human Services: DHS.State.IL.us
- Federal Poverty Guidelines 2026: ASPE.HHS.gov
