Louisiana Medicaid offers necessary health insurance to low-income citizens, and the income thresholds are pegged to the 2025 Federal Poverty Level (FPL).
Those 19-64 are considered expansion rules; children and women who are pregnant usually qualify at a much higher level using special programs. The income and resource tests are different for seniors and individuals with disabilities.
Key Takeaways
- Adults are eligible for 138% FPL under Medicaid expansion.
- Children are eligible under LaCHIP, which has greater limits.
- There is expanded postpartum coverage under LaMOMS, and pregnant women are eligible for this program.
- On MyMedicaid.LA.gov, applications are processed over the internet.
Louisiana Medicaid in Perspective.
Louisiana is among the limited states in the South that have extended Medicaid through the Affordable Care Act.
This implies that the majority of adults to 138% FPL receive it, compared to several of the neighboring states like Texas or Mississippi, where adults who do not have children frequently do not qualify.
The result of this growth has been increased access to health care by over 2 million Louisiana residents.
LaCHIP (Louisiana Children’s Health Insurance Program) serves the children and provides an opportunity to have such coverage even in families with incomes over the Medicaid limit.
A little above-income families have access to LaCHIP Affordable, where they pay low monthly premiums but have full coverage of children.
The women able to enjoy the benefits of LaMOMS are pregnant women who get the postpartum and pregnancy care at no more cost than the adult expansion cap.
The LaMOMS secures that the mothers and the babies are taken care of at a critical age. The elderly and individuals with disabilities can have other avenues of eligibility with income and asset tests, such as long-term care waivers.
Household Income Limits (2025)
| Household Size | 100% FPL (Annual) | 138% FPL (Adults) | 200%+ FPL (Kids/Pregnancy) |
| 1 people | $15,650 | $21,597 | ~$31,300+ |
| 2 people | $21,150 | $29,187 | ~$42,300+ |
| 3 people | $26,650 | $36,777 | ~$53,300+ |
| 4 people | $32,150 | $44,367 | ~$64,300+ |
Source: HHS 2025 Poverty Guidelines
How to read this: One adult making between $21,600 and less might be considered eligible for the Medicaid expansion. Even a family of three with the capacity of up to 36,800 could qualify. In children and pregnant women under LaCHIP and LaMOMS, this eligibility income limit is even higher, approximately 200% FPL or higher.
Who is Eligible to receive Louisiana Medicaid?
- Adults (19-64): Capped at 138% FPL through rules of expansion.
- Children (LaCHIP): Income limits are high, up to 200 percent FPL, and options are available, such as LaCHIP Affordable.
- Pregnant Women (LaMOMS): Billed at increased amounts with care over 12 months after childbirth.
- Senior/Disabled: Income and resource tests will be required; long-term care waiver and Medicare Savings Programs might assist.
Louisiana Medicaid (2025) -How to apply.
- Register an account at the portal MyMedicaid.LA.gov.
- Screener’s tool is used to estimate the eligibility.
- Submit required documents:
- Evidence on income (recent pay stubs or tax return)
- Evidence of residency in Louisiana (lease, utility bill, or state ID)
- Social security numbers of every family member.
- Immigration papers, where needed.
- Select a managed care plan.
- Extend coverage on an annual or as-requested basis.
Alternatives in the event that You Do Not Qualify
- LaCHIP Affordable: Partial premiums that children pay that are slightly higher than Medicaid.
- Plans in the marketplace: HealthCare.gov subsidies are aimed at decreasing the price of private insurance.
- Community health centers: Sliding-scale care of uninsured locals.
- Medically needy programs: Provide an opportunity to people who have high medical expenses to qualify through spending down income.
FAQs
Q1: What will the income ceiling of adults in Louisiana be in 2025?
The maximum FPL eligibility of adults is 138% which is approximately 21,600 as an individual.
Q2: What is LaCHIP?
It is the Louisiana form of CHIP, which includes children having family incomes exceeding the normal Medicaid amounts.
Q3: What is LaMOMS?
An insurance program that extends coverage to pregnant women and postpartum care at increased income levels.
Question 4: Are families eligible for various programs simultaneously?
Yes. Adults are eligible on an expansion, children on LaCHIP, and pregnant women under LaMOMS.
Q5: Are the seniors any different?
Yes. The elders and the disabled have to satisfy income and asset requirements, and some programs require medical necessity.
Q6: How do I apply?
Visit MyMedicaid.LA.gov, fill out the screener, and submit the necessary documents.
Conclusion
The Louisiana Medicaid in 2025 broadly expands access, whereas programs such as the LaCHIP and LaMOMS cover children and pregnant women whose income is greater. Elderly individuals and individuals with disabilities also have their way, such as long-term care services.
To apply, use MyMedicaid.LA.gov. Other options, such as LaCHIP Affordable, marketplace subsidies, or community health centers, can provide you with affordable health care options, should you not qualify.
