Written & Reviewed by Akash Biswas, MSW | Former Medicaid Caseworker Trainer | Verified against Medicaid.gov and New Mexico Health Care Authority (HCA) guidelines | Last Updated: June 2026
In 2026, a single adult in New Mexico can earn up to $1,836 per month and still qualify for Medicaid.
New Mexico’s program — called Turquoise Care — covers adults, children, pregnant women, seniors, and people with disabilities.
This guide breaks down every income limit, who qualifies, and exactly how to apply.
Quick Summary: What You Need to Know
- Medicaid covers doctor visits, hospital stays, prescriptions, mental health, and more — at little or no cost
- You may qualify if you’re a low-income adult, parent, child, pregnant, senior, or person with a disability
- 2026 income limit for a single adult is $1,836/month (138% of the Federal Poverty Level)
- No asset test for most adults and families — savings do not count
- How to apply: Visit the YesNM Portal or call 1-800-283-4465
- 🔢 Use our Medicaid Eligibility Calculator in 2026 to check your eligibility in minutes
What Is Medicaid?
Medicaid is a free or low-cost health insurance program. It is funded by both the federal government and each state.
In New Mexico, the program is called Turquoise Care and is run by the New Mexico Health Care Authority (HCA).
Medicaid pays for medical care you need — from routine checkups to emergency surgery. You do not need to pay monthly premiums in most cases. For official program information, visit Medicaid.gov.
Who Qualifies for Medicaid in New Mexico in 2026?
New Mexico uses Modified Adjusted Gross Income (MAGI) to check eligibility for most people. This means the state looks at your current household income — not your savings, home, or car.
To learn how New Mexico compares to other states, see our full guide on Medicaid income limits by state in 2026.
Eligibility depends on your income, household size, and which group you belong to. Here are the main groups that qualify.
Adults Ages 19–64
Low-income adults qualify if their income is at or below 138% of the Federal Poverty Level (FPL). That is $1,836 per month for one person. There is no asset limit for this group.
Children
New Mexico has among the highest income limits for children in the country. Children ages 0–5 can qualify with a family income up to 305% FPL. Children ages 6–18 can qualify up to 245% FPL.
Pregnant Women
Pregnant women in New Mexico qualify at up to 255% FPL. Because a pregnant woman counts as two people (herself plus the unborn child), the household-of-2 limit applies. That is up to $4,597 per month for a household of two.
Seniors and People with Disabilities
Seniors (65+) and people with disabilities may qualify through SSI-Linked Medicaid or Long-Term Care Medicaid. These programs have separate income and asset limits. We cover those details in the income limits section below.
New Mexico Medicaid Income Limits 2026
New Mexico Medicaid uses the 2026 Federal Poverty Level (FPL) to set all income thresholds. These numbers include the standard 5% income disregard built into the MAGI rules.
For a broader look at how eligibility rules work nationwide, read our guide on Medicaid eligibility in 2026.
All dollar amounts below are verified against the New Mexico Health Care Authority and Medicaid.gov guidelines for 2026.
MAGI-Based Medicaid (Adults, Children & Pregnant Women)
This table covers most New Mexicans applying for Medicaid. There is no asset limit for these groups.
| Category | Eligibility (% FPL) | Monthly Limit (Individual) | Monthly Limit (Family of 4) |
|---|---|---|---|
| Adults (19–64) | 138% FPL | $1,836 | $3,795 |
| Children (0–5) | 305% FPL | $4,056 | $8,387 |
| Children (6–18) | 245% FPL | $3,258 | $6,737 |
| Pregnant Women | 255% FPL | $4,597 (HH of 2) | $7,012 |
Note on children’s limits: The individual column reflects a child living alone (e.g., with a non-financially responsible caretaker). Most families should look at the family-of-4 column or ask their caseworker for the right household size.
Note on pregnant women: A pregnant woman always counts as at least two people — herself plus the unborn child. The $4,597/month limit applies to a household of 2.
SSI-Linked Medicaid (Seniors and People with Disabilities)
This program is for people who receive Supplemental Security Income (SSI) or who meet similar criteria. If you already receive SSI payments, you automatically qualify for this coverage.
| Household Size | Monthly Income Limit | Asset Limit |
|---|---|---|
| Single | $994/month | $2,000 |
| Couple | $1,491/month | $3,000 |
Long-Term Care Medicaid (Nursing Home or Home Waiver)
This program is for seniors and adults who need nursing home care or home-based services through the Community Benefit waiver program.
| Criteria | Limit |
|---|---|
| Monthly Income Limit | $2,982/month (300% Federal Benefit Rate) |
| Asset Limit (Applicant) | $2,000 |
| Medical Need Required | Yes — must need help with 2+ Activities of Daily Living |
Important: Long-Term Care Medicaid also considers the income of a spouse who stays at home. Rules are complex. Speak with a caseworker or elder law attorney for help.
What Does Medicaid Cover in New Mexico?
Turquoise Care provides broad health coverage at little or no cost. Most members enroll in a managed care plan — such as Presbyterian Health Plan, Blue Cross Blue Shield of New Mexico, or Western Sky Community Care.
For details on provider reimbursement rates, see our guide on the Medicaid fee schedule in 2026.
Coverage depends on your age, plan, and program type. Here is what most members can access.
Medical and Preventive Services
- Doctor visits and specialist care
- Emergency room and hospital stays
- Prescription drugs
- Lab tests and X-rays
- Vaccinations and annual checkups
Behavioral and Mental Health
- Therapy and counseling
- Substance use disorder treatment
- Psychiatric care and medications
- Crisis services
Additional Benefits
- Pregnancy and delivery care
- Pediatric dental and vision (children)
- Adult dental (limited — check your managed care plan)
- Long-term care services (for those who qualify)
- Transportation to medical appointments
Tip: Call your Turquoise Care managed care plan to confirm what is covered under your specific benefit package.
For a full overview of ACA-related Medicaid expansion benefits, visit Healthcare.gov.
How to Apply for Medicaid in New Mexico
Applying is free and does not require a lawyer or paid service. New Mexico accepts applications year-round — there is no open enrollment period for Medicaid. Follow these steps to apply.
Step 1 — Gather Your Documents
Collect the following before you start:
- Proof of identity (driver’s license, passport, or state ID)
- Proof of New Mexico residency (utility bill, lease, or mail)
- Social Security numbers for all household members applying
- Proof of income (pay stubs, tax returns, or employer letter)
- Immigration documents (if applicable)
Step 2 — Choose How to Apply
Online: Go to the YesNM Portal. Create an account and complete the online application. This is the fastest option.
By Phone: Call the Consolidated Customer Service Center at 1-800-283-4465. A representative will walk you through the application.
In Person: Visit your local New Mexico Health Care Authority (HCA) office. Bring all documents listed in Step 1.
Step 3 — Submit Your Application
Review all information for accuracy. Submit your application online, by phone, or in person. Keep a copy of your application for your records.
Step 4 — Wait for a Determination
The state will review your application and mail you a decision letter. If approved, your letter will include your coverage start date and how to pick a Turquoise Care managed care plan.
Step 5 — Pick Your Managed Care Plan
Most New Mexico Medicaid members must choose a Turquoise Care managed care plan within 30 days of approval. Options include:
- Presbyterian Health Plan
- Blue Cross Blue Shield of New Mexico
- Western Sky Community Care
If you do not choose, the state will assign you to a plan automatically.
What Happens After You Apply?
After you submit your application, the New Mexico HCA will begin processing it. Most standard applications are decided within 45 days. Disability-related applications may take up to 90 days.
Here is what to expect after you apply.
You Will Receive a Decision Letter
The HCA will mail you a letter with an approval or denial. If approved, your letter will show your coverage start date and your assigned managed care plan. Keep this letter — you will need it.
Coverage Can Start Quickly
If you are approved, Medicaid coverage can begin the same month you applied in some cases. Pregnant women and children may receive expedited approval. Ask your caseworker about your specific start date.
If You Are Denied
You have the right to appeal a denial. Your denial letter will explain why you were denied and how to request a fair hearing. You have 90 days from the date on the letter to file an appeal.
Annual Renewal
You must renew your Medicaid coverage every year. The HCA will mail you a renewal form before your coverage ends. Complete it on time to avoid a gap in coverage.
If Your Income Increases
If you lose eligibility because your income goes up, you may qualify for Transitional Medical Assistance (TMA). This can extend your Medicaid coverage for up to 12 months while you transition to other insurance.
Frequently Asked Questions
Q: What are the Medicaid income limits in New Mexico for 2026?
A: In 2026, a single adult qualifies with income up to $1,836 per month (138% FPL). A family of four can earn up to $3,795 per month. Children and pregnant women have higher limits — up to $8,387/month for a family of four with young children. Limits are based on household size.
Q: Does New Mexico Medicaid have an asset test in 2026?
A: No. Most adults, children, and pregnant women do not face an asset test. The state does not count savings, a car, or a home for MAGI-based programs. However, SSI-Linked Medicaid and Long-Term Care Medicaid do have asset limits of $2,000 for a single person.
Q: Does Medicaid cover dental in New Mexico?
A: Children covered by Turquoise Care receive full dental benefits. Adult dental coverage is limited. Some managed care plans offer basic adult dental services — call your Turquoise Care plan to confirm what is included in your benefit package.
Q: How long does it take to get approved for Medicaid in New Mexico?
A: Most standard applications are approved within 45 days. If your application involves a disability determination, it may take up to 90 days. Pregnant women and children may be approved faster through expedited review. Apply as soon as possible to avoid delays.
Q: What is Turquoise Care in New Mexico?
A: Turquoise Care is the name for New Mexico’s Medicaid managed care program. Most Medicaid members are enrolled in a Turquoise Care plan — such as Presbyterian, Blue Cross Blue Shield of New Mexico, or Western Sky. These plans coordinate your medical, behavioral health, and pharmacy benefits.
Q: Can I apply for Medicaid in New Mexico if I am not a citizen?
A: Lawfully present immigrants may qualify for New Mexico Medicaid. Undocumented individuals generally do not qualify for full Medicaid but may receive emergency Medicaid services. Pregnant women with certain immigration statuses may also qualify. Contact the HCA at 1-800-283-4465 for guidance specific to your situation.
Sources & Disclaimer
Last Updated: June 2026
Sources:
- Medicaid.gov — Official Medicaid Program Information
- Healthcare.gov — Medicaid & CHIP Overview
- New Mexico Health Care Authority (HCA) — YesNM Portal
Disclaimer: CheckMedicaid.com is not affiliated with any government agency or the New Mexico Health Care Authority. This content is for educational purposes only and does not constitute legal or financial advice. Income limits and program rules may change. For official eligibility determinations, contact the New Mexico HCA at 1-800-283-4465 or visit Medicaid.gov.
