Rhode Island Medicaid, through RIte Care and RIte Share, covers doctor visits, hospital stays, prescriptions, and preventive care for over 300,000 low-income residents at little or no cost.
It supports children, pregnant women, adults, parents, the elderly, and disabled individuals. Income limits update every year based on Federal Poverty Levels (FPL) to keep up with inflation.
This article shows the exact 2025 income limits for all groups to help you see if you qualify.
Quick Eligibility Snapshot
2025 Rhode Island Medicaid Eligibility Overview
| Group | 2025 FPL Level | Notes |
| Children | 261% | MAGI rules; Rite Care for kids 0–18 |
| Pregnant Women | 253% | Higher limit: 12 months postpartum |
| Adults (Expansion) | 138% | MAGI rules for ages 19–64 |
| Parents/Caretakers | 116% | Very low threshold; tied to child eligibility |
| Aged/Blind/Disabled | SSI-based | Income + assets; automatic for SSI recipients |
| Long-Term Care | 300% SSI | Nursing home & HCBS waiver programs |
| Medicare Savings | 100%, 120%, 135% FPL | QMB, SLMB, and QI-1 help with Medicare costs |
MAGI vs Non-MAGI Eligibility in Rhode Island
MAGI Medicaid uses adjusted gross income from taxes and has no asset test; it’s for most working-age folks and families.
Non-MAGI checks monthly income plus assets, aimed at seniors and the disabled with medical needs.
MAGI Groups: Children up to 261% FPL get full preventive care; adults (ACA Expansion) up to 138% FPL cover basics like visits and meds; pregnant women at 253% FPL include prenatal and postpartum; parents/caretakers at 116% FPL tie to kids in home.
Non-MAGI Groups: Aged 65+ or blind/disabled use SSI-based limits with asset tests; long-term care & nursing home at 300% SSI allow home waivers; Medicare Savings Programs at 100-135% FPL pay premiums.
Rhode Island Medicaid Income Limits 2025
Limits update April 1 with FPL changes. Rhode Island uses FPL percentages for MAGI and SSI rates for non-MAGI. Family size counts you, spouse, kids under 19, +1 for pregnancy. Tax household (MAGI) includes tax dependents; Medicaid household (non-MAGI) adds shared-cost folks. For 2025, FPL is $1,305 monthly ($15,660 yearly) for one, +$459 ($5,508) per extra.
Children (0–18)
Rhode Island covers children 0-18 up to 261% FPL through RIte Care, focusing on preventive care like checkups and vaccines. No asset test; seamless with expansion for families.
Children 0–18 (261% FPL)
| Family Size | Monthly Income Limit | Annual Income Limit |
| 1 | $3,406 | $40,872 |
| 2 | $4,606 | $55,272 |
| 3 | $5,806 | $69,672 |
| 4 | $7,006 | $84,072 |
Children 6–18 (FPL %)
For ages 6-18, it’s the same 261% FPL as younger kids, with full dental/vision and mental health support. Transitions to adult rules at 19.
Children 6–18 (261% FPL)
| Family Size | Monthly Income Limit | Annual Income Limit |
| 1 | $3,406 | $40,872 |
| 2 | $4,606 | $55,272 |
| 3 | $5,806 | $69,672 |
| 4 | $7,006 | $84,072 |
Pregnant Women (FPL %)
Pregnant women qualify up to 253% FPL, counting the unborn baby as +1, with coverage for prenatal, labor, delivery, and 12 months postpartum. No asset test; includes family planning.
Pregnant Women (253% FPL)
| Family Size | Monthly Income Limit | Annual Income Limit |
| 2 (Mom + Baby) | $4,606 | $55,272 |
| 3 | $5,806 | $69,672 |
| 4 | $7,006 | $84,072 |
Adults 19–64 (138% FPL)
Rhode Island’s expansion covers adults 19-64 up to 138% FPL, no kids required, for doctor visits, meds, and mental health. Verification uses MAGI.
Adults 19–64 (138% FPL)
| Family Size | Monthly Income Limit | Annual Income Limit |
| 1 | $1,799 | $21,588 |
| 2 | $2,432 | $29,184 |
| 3 | $3,065 | $36,780 |
| 4 | $3,698 | $44,376 |
Parents & Caretaker Relatives
Parents or caretakers qualify up to 116% FPL if caring for a child under 19, linking to family support with low thresholds.
Parents & Caretaker Relatives (116% FPL)
| Family Size | Monthly Income Limit | Annual Income Limit |
| 1 | $1,514 | $18,168 |
| 2 | $2,048 | $24,576 |
| 3 | $2,582 | $30,984 |
| 4 | $3,116 | $37,392 |
Aged, Blind & Disabled (SSI-Based Income Limits 2025)
ABD Medicaid uses non-MAGI with SSI limits: $967 monthly for individuals ($1,450 couples), automatic for SSI recipients, with asset test.
Rhode Island uses SSI-related income rules to determine eligibility for seniors (65+), blind individuals, and people with disabilities. Below are the official 2025 income limits.
| Group | Monthly Income Limit | Annual Income Limit |
| Individual | $967 | $11,604 |
| Couple | $1,450 | $17,400 |
Long-Term Care Medicaid (300% of SSI – 2025)
Rhode Island’s Long-Term Care Medicaid program allows seniors and disabled adults to qualify with income up to 300% of the SSI Federal Benefit Rate. For 2025, this equals $2,901/month for an individual.
Asset limits also apply: $2,000 for an individual and $3,000 for a married couple. Applicants who exceed the income limit may still qualify through spend-down, using excess income on medical expenses and care costs.
| Group | Monthly Income Limit | Annual Income Limit |
| Individual | $2,901 | $34,812 |
| Couple | $4,351 | $52,212 |
Medicare Savings Programs (QMB, SLMB & QI-1)
Rhode Island offers three Medicare Savings Programs to help low-income seniors and disabled adults pay Medicare costs.
- QMB (100% FPL): Pays Medicare Part A & B premiums, deductibles, coinsurance, and copayments.
- SLMB (120% FPL): Pays Medicare Part B premiums only.
- QI-1 (135% FPL): Also pays Part B premiums (funding is limited and approved first-come, first-served).
Asset limits:
- QMB: $2,000 individual / $3,000 couple
- SLMB & QI-1: Rhode Island does not enforce asset tests for these programs.
QMB (100% FPL)
| Family Size | Monthly Income Limit | Annual Income Limit |
| 1 | $1,305 | $15,660 |
| 2 | $1,763 | $21,156 |
| 3 | $2,221 | $26,652 |
| 4 | $2,680 | $32,160 |
SLMB (120% FPL)
| Family Size | Monthly Income Limit | Annual Income Limit |
| 1 | $1,566 | $18,792 |
| 2 | $2,116 | $25,392 |
| 3 | $2,666 | $31,992 |
| 4 | $3,216 | $38,592 |
QI-1 (135% FPL)
| Family Size | Monthly Income Limit | Annual Income Limit |
| 1 | $1,761 | $21,132 |
| 2 | $2,380 | $28,560 |
| 3 | $2,999 | $35,988 |
| 4 | $3,617 | $43,404 |
Rhode Island Medicaid Asset Limits (Non-MAGI Only)
Non-MAGI groups like elderly/disabled have asset limits: $4,000 individual, $6,000 couple. Home equity caps at $713,000 (no lien if spouse/child lives there).
One vehicle exempt ($4,650 value), household goods, burial funds ($1,500). What counts as assets: Cash, banks, stocks, second cars. Spousal impoverishment for LTC protects $157,920 for non-applicant spouses.
How to Apply for Rhode Island Medicaid 2025
1. Online: HealthSourceRI.com screen, upload docs, 45 days processing.
2. Required Documents: Pay stubs, tax returns, ID, residency proof, pregnancy note if applicable.
3. Expected Processing Time: 45 days; presumptive for pregnancy is 5 days.
4. Renewal & Redetermination: Yearly, report changes in 10 days; auto for postpartum.
Common Reasons for Denial
– Income too high from unreported sources.
– Assets above limit for non-MAGI.
– Incomplete verification docs.
– Incorrect household reporting.
– Not meeting immigration requirements.
Frequently Asked Questions
What is the income limit for Medicaid in Rhode Island in 2025?
Limits vary: Adults expansion up to 138% FPL ($1,799 monthly for one); children 261% ($3,406). Check your group with the RI DHS tool.
How much can a single adult make and still get Medicaid in RI?
Single adults 19-64 qualify up to 138% FPL ($1,799 monthly, $21,588 yearly). No kids needed, expansion covers basics.
Does Rhode Island check bank accounts for Medicaid?
Yes for non-MAGI like seniors/disabled, $4,000 individual limit. MAGI groups skip assets.
What are the pregnancy income limits in RI?
Up to 253% FPL ($2,596 monthly for mom + baby, $31,152 yearly). Counts baby as +1; 12 months postpartum.
Can you get Medicaid if you work full-time?
Yes, if under limits like 138% FPL for adults ($1,799 monthly for one). Deductions help working folks qualify.
Final Summary
Income limits depend on age, household size, and disability status, FPL charts show paths for kids at 261% to seniors on SSI. MAGI vs non-MAGI determines if assets matter; Rhode Island’s expansion offers broad coverage for adults. Apply at HealthSourceRI.com or call 855-840-4774 for help. Where to apply and get help: DHS navigators are free, your health’s worth checking.
