SoonerCare income limits for 2026 vary by household size and applicant type. Most adults qualify at 138% of the Federal Poverty Level.
This equals about $1,799 per month for one person.
SoonerCare is Oklahoma’s Medicaid program. It provides free or low-cost health coverage.
The Oklahoma Health Care Authority (OHCA) runs the program.
Quick Facts:
- Adults 19-64 qualify at 138% FPL ($1,799/month for one)
- Children qualify at 205-210% FPL ($2,753/month for one)
- Pregnant women count the unborn baby as a household member
- Most applicants face no asset test
- 2026 limits use 2025 Federal Poverty Level data
What Are the Income Limits?
SoonerCare uses the 2025 Federal Poverty Level (FPL) guidelines. These took effect April 1, 2025. They remain active through March 31, 2026.
2025/2026 Federal Poverty Levels:
- One person: $15,650 per year ($1,304 monthly)
- Two people: $21,150 per year ($1,763 monthly)
- Each added person: +$5,500 per year
2026 Monthly Income Limits (Estimated)
The following table provides the monthly gross income thresholds for major SoonerCare categories.
| Household Size | Expansion Adults (138% FPL) | Children/Pregnant (205% FPL) | Parents/Caretakers (100% FPL) |
|---|---|---|---|
| 1 | ~$1,799 | ~$2,596 | ~$1,304 |
| 2 | ~$2,433 | ~$3,506 | ~$1,763 |
| 3 | ~$3,068 | ~$4,417 | ~$2,221 |
| 4 | ~$3,702 | ~$5,327 | ~$2,680 |
Note: For Aged, Blind, or Disabled (ABD) categories, the income limit is approximately $967/month (100% of the Federal Benefit Rate).
Adults 19 to 64 (Expansion Group)
Adults without children can qualify. Oklahoma expanded Medicaid in 2021 via State Question 802.
Income Limit: 138% FPL
Disregard: 5% of income is ignored
| Household Size | Monthly Limit |
|---|---|
| 1 | $1,799 |
| 2 | $2,432 |
| 3 | $3,065 |
| 4 | $3,698 |
Children Under 19
Kids qualify at higher income levels. This includes CHIP coverage.
Income Limit: 205-210% FPL
Continuous Eligibility: 12 months guaranteed regardless of income changes
| Household Size | Monthly Limit |
|---|---|
| 1 | $2,753 |
| 2 | $3,719 |
| 3 | $4,686 |
Pregnant Women
Pregnant women qualify at 210% FPL. The unborn baby counts as a household member. A single pregnant woman is a two-person household.
Income Limit: $2,738 monthly for a household of two
Postpartum Coverage: 12 months continuous after pregnancy ends
Parents and Caretakers
This group has stricter limits. Many now qualify under the expansion group instead.
Income Limit: 41-100% FPL ($535–$1,304 monthly)
Aged, Blind, and Disabled (ABD)
These applicants use Non-MAGI rules. Asset tests apply.
Income Limits:
- Regular Medicaid: $1,305 monthly
- Nursing Home or Waivers: $2,982 monthly
Asset Limits: $2,000 (single), $3,000 (couple)
How Does SoonerCare Count Income?
Most applicants use MAGI. This stands for Modified Adjusted Gross Income. It matches your tax return data.
MAGI Groups:
- Adults 19-64
- Children
- Pregnant women
- Parents/caretakers
Non-MAGI Groups:
- Adults 65 and older
- Blind individuals
- Disabled individuals
- Long-term care applicants
What Income Counts?
MAGI counts wages and self-employment. It counts unemployment and pensions. It counts interest and alimony.
MAGI does not count child support. It does not count SSI or SNAP. It does not count Native American payments.
The 5% Disregard
MAGI rules allow a 5% income disregard. If you earn slightly over the limit, you may still qualify.
How to Apply for SoonerCare
You can apply online, by phone, or in person. Processing takes about 45 days.
Online: MySoonerCare.org or OKDHSLive.org
Phone: 1-800-987-7767 (bilingual support available)
In-Person: Local DHS offices
Documents Needed:
- Four weeks of pay stubs
- Proof of Oklahoma residency
- Photo ID
- Pregnancy verification (if applying as pregnant)
2026 Policy Updates
SoonerCare has new rules for 2026. These changes help families keep coverage.
Postpartum Coverage: 12 months of coverage after birth is now permanent. This became law under the 2023 Consolidated Appropriations Act. It applies whether the pregnancy ends in birth or miscarriage.
Kids’ Coverage: Children keep coverage for 12 months straight. Income changes during the year do not matter.
Provider Changes: Community Health Worker services expand on April 1, 2026. Some prior authorization rules eased February 1, 2026.
Work Requirements: New rules may require work for some adults. These follow the One Big Beautiful Bill Act of July 2025.
Frequently Asked Questions
What are the SoonerCare income limits for 2026?
Adults 19-64 qualify at 138% FPL ($1,799 monthly for one person). Children qualify at 205-210% FPL ($2,753 monthly). Pregnant women qualify at 210% FPL counting the baby as a member. ABD applicants have different limits.
Is there an asset test for SoonerCare in 2026?
Most groups have no asset test. MAGI-based applicants (adults, kids, pregnant women) only report income. Aged, blind, and disabled applicants face asset limits of $2,000 for individuals and $3,000 for couples.
How do I apply for SoonerCare in Oklahoma?
Apply online at MySoonerCare.org or call 1-800-987-7767. You can also visit a local DHS office. Bring pay stubs, ID, and proof of residency. Processing takes up to 45 days.
What is MAGI for SoonerCare eligibility?
MAGI means Modified Adjusted Gross Income. It uses tax return data. It counts wages and pensions but not SSI or child support. It applies to children, pregnant women, and expansion adults.
Do pregnant women get 12 months of coverage after birth?
Yes. The 2023 Consolidated Appropriations Act made this permanent. Women keep coverage for 12 months after pregnancy ends. This applies to birth, miscarriage, or other outcomes.
What if my income is slightly over the SoonerCare limit?
Apply anyway. MAGI rules allow a 5% income disregard. This means you can earn up to 5% over the limit and still qualify. The system automatically applies this disregard.
Last Updated: January, 2026
Sources:
Oklahoma Health Care Authority – MySoonerCare
Healthcare.gov – Federal Poverty Level
