Indiana Medicaid Income Limits 2026: Complete Eligibility Guide

Last Updated: February 26, 2026.

Indiana Medicaid income limits changed on March 1, 2026, based on the new Federal Poverty Level (FPL).

A single adult can earn up to $1,836 per month and still qualify for the Healthy Indiana Plan (HIP).

Limits are higher for pregnant women, children, and seniors.

Quick Summary:

• Indiana uses 3 main Medicaid programs: HIP, Hoosier Healthwise, and ABD
• The 2026 FPL base is $15,960/year for one person
• HIP covers adults aged 19–64 with incomes up to 138% FPL
• Pregnant women can earn up to $3,751/month (household of 2)
• Seniors and disabled individuals have a strict $2,000 asset limit
• You can apply online, by phone, or in person

2026 Indiana Medicaid Income Limits by Household Size

Indiana Medicaid uses the 2026 Federal Poverty Guidelines to set income limits.

Each program has a different percentage threshold, so limits vary depending on who is applying.

The table below shows gross monthly income limits for the three main programs.

Monthly Income Limits Table (2026)

*Note: Pregnant women are counted as a household of at least two (mother + unborn child).

Basis: Limits are calculated from the 2026 FPL base of $15,960 for one person, adding $5,680 for each additional person.

To compare how Indiana stacks up against other states, see the full Medicaid income limits charts by state in the 2026 breakdown.

2025 vs. 2026 HIP Income Limit Comparison

The 2026 limits reflect a ~2% increase from 2025. This follows the annual update to the Federal Poverty Guidelines released in January 2026.

New limits apply to eligibility decisions starting March 1, 2026.

HIP Plus Monthly Income Limit Changes

Even a small income increase each year can affect your eligibility. Always check updated limits before applying or renewing.

Indiana Medicaid Program Breakdown

Indiana Medicaid is divided into three main programs. Each serves a different group of people and has its own income and asset rules.

Understanding which program fits your situation is the first step to getting coverage.

1. Healthy Indiana Plan (HIP) – Adults

HIP covers non-disabled adults aged 19 to 64. It is Indiana’s Medicaid expansion program under the Affordable Care Act.

• Income Limit: 138% FPL — $1,836/month for one person
• Asset Limit: None (no asset test)

HIP has two tiers:

HIP Plus requires a small monthly POWER Account Contribution (PAC). If you miss payments and your income is at or below 100% FPL, you will be moved to HIP Basic, which has copays and does not include dental or vision coverage.

For a full overview of who qualifies, visit the Indiana Medicaid eligibility in 2026 guide.

2. Hoosier Healthwise – Children and Pregnant Women

Hoosier Healthwise covers children up to age 19 and pregnant women. Coverage for pregnant women includes the full pregnancy period and 12 months postpartum.

Income Limits by Group:

CHIP Package C is for children whose families earn too much for standard Medicaid but cannot afford private insurance. This tier may require small monthly premiums.

3. Aged, Blind, and Disabled (ABD) – Traditional Medicaid

ABD Medicaid, also called Hoosier Care Connect, covers people aged 65 and older, or those who are blind or have a qualifying disability.

Income Limits (Tied to SSI):

Asset Limits Are Strict:

• Individual: $2,000 (cash, savings, stocks)
• Couple: $3,000
• Home is exempt if the applicant lives in it or intends to return

The Special Income Limit (SIL) of $2,982/month applies to people seeking waiver services (home care) or nursing home coverage. This is 300% of the SSI rate.

To understand how Indiana’s reimbursement rates work for providers, see the Medicaid Fee Schedule 2026 for current details.

Key Definitions You Need to Know

Understanding a few key terms can help you figure out your eligibility faster. Indiana uses two main measurement tools to set Medicaid income limits.

Federal Poverty Level (FPL)

The Federal Poverty Level is the official income benchmark set by the federal government each year. Indiana multiplies it by a percentage to set Medicaid limits.

• 2026 FPL (1 person): $15,960/year — up from $15,650 in 2025
• Each additional person adds: $5,680/year
• Indiana uses percentages like 138%, 208%, and 250% depending on the program

Modified Adjusted Gross Income (MAGI)

MAGI is how Indiana counts your income for HIP and Hoosier Healthwise.

• Counts: Wages, salary, self-employment income
• Does NOT count: Assets, savings, child support received, most non-taxable income (like SSI)
• This is why HIP has no asset test — only income matters under MAGI rules
• ABD Medicaid does NOT use MAGI — it uses a strict asset test instead

For the complete list of financial and non-financial eligibility rules, review the Medicaid eligibility requirements for 2026 page.

Quick Stats at a Glance (2026)

How to Apply for Indiana Medicaid in 2026

Applying is simple and takes about 15–30 minutes online. Indiana uses the FSSA Benefits Portal to manage all Medicaid applications.

3 Ways to Apply:

1. Online: Visit FSSABenefits.in.gov — fastest option
2. By Phone: Call 1-800-403-0864 (Mon–Fri, 8am–4:30pm ET)
3. In Person: Visit your local Division of Family Resources (DFR) office

What to bring or have ready:

• Proof of income (pay stubs, tax returns)
• Photo ID or Social Security Number
• Proof of Indiana residency
• Information about any health insurance you currently have

For a step-by-step walkthrough, read our full guide on how to apply for Medicaid in Indiana.

Frequently Asked Questions (FAQs)

Official Sources

• Indiana FSSA Benefits Portal – FSSABenefits.in.gov
• Medicaid.gov – Federal Poverty Guidelines & Eligibility
• HHS 2026 Federal Poverty Level Guidelines

Last Updated: February 26, 2026. Income limits are based on the 2026 Federal Poverty Guidelines. Always verify current limits at FSSABenefits.in.gov or by calling 1-800-403-0864.