SoonerCare income limits in 2026 depend on your household size, age, income, and eligibility category. For an eligible adult in Oklahoma’s Medicaid expansion group, the monthly income limit is $1,848 for a one-person household and $3,822 for a household of four.
Children, pregnant women, parents or caretakers, and people who are aged, blind, or disabled may qualify under different financial rules. The Oklahoma Health Care Authority (OHCA) publishes separate income guidelines for these groups.
This guide explains the official 2026 SoonerCare income limits effective April 1, 2026, including monthly and annual income tables, pregnancy coverage, long-term care rules, and application instructions.
Important: These figures are eligibility guidelines, not a guarantee of approval. OHCA or Oklahoma Human Services reviews your household, income, and other eligibility requirements before making a decision.
SoonerCare Income Limits 2026: 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 Is SoonerCare?
SoonerCare is Oklahoma’s Medicaid program. It provides free or low-cost health coverage to eligible residents and is administered by the Oklahoma Health Care Authority.
The program covers several groups, including children, pregnant women, eligible adults, parents and caretakers, older adults, and people with disabilities.
Depending on your eligibility category, coverage may include doctor visits, hospital services, prescription medications, pregnancy care, preventive services, and certain long-term care services.
Official information is available through the Oklahoma Health Care Authority.
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).
Not sure whether your income meets the eligibility requirements? Use our free Medicaid Eligibility Calculator to estimate your eligibility based on your household size and income.
SoonerCare Income Limits 2026 by Household Size
The following figures come from the official OHCA income guidelines effective April 1, 2026. The monthly and annual limits are shown separately for each eligibility category.
1. Expansion Adults — Ages 19–64
Eligible adults in the expansion group may qualify at the published income limits below.
| Household Size | Monthly Income Limit | Annual Income Limit |
|---|---|---|
| 1 | $1,848 | $22,176 |
| 2 | $2,507 | $30,084 |
| 3 | $3,165 | $37,980 |
| 4 | $3,822 | $45,864 |
| 5 | $4,481 | $53,772 |
| 6 | $5,138 | $61,656 |
| 7 | $5,796 | $69,552 |
| 8 | $6,455 | $77,460 |
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)
SoonerCare Income Limits for Aged, Blind, and Disabled Applicants
Aged, blind, and disabled applicants generally follow non-MAGI eligibility rules. These are different from the income guidelines used for children, pregnant women, and expansion adults.
For this group, Oklahoma may consider countable income, resources, disability or age-related requirements, and the type of Medicaid coverage requested.
The April 1, 2026 OKDHS standards include the following figures:
- Federal Benefit Rate reference: $994 per month for an individual and $1,491 for a couple.
- Maximum resources: $2,000 for an individual and $3,000 for an individual with a spouse under the applicable ABD standards.
These figures should not be treated as a universal gross-income limit for every ABD applicant. The state applies specific income-counting and eligibility rules to each program.
For official details, see Oklahoma Human Services — Maximum Income, Resource, and Payment Standards.
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
