Florida Medicaid is this super important program that helps people who don’t have a ton of money get health insurance and doctor stuff for free or super cheap. It covers kids, pregnant girls, old people (seniors), people with disabilities, and some adults too. But the rules are kinda strict in Florida cuz they didn’t do the full expansion thing like some other states.
We’re talking about Florida Medicaid income limits 2026 – that’s the max money you can make each month (or year) to qualify. These numbers are fresh for 2026, like the long-term care cap jumped to $2,982 a month for one person (that’s up from last year cuz of some federal thing).
Florida Medicaid Income Limits Explained
Okay, so income limits change depending on who you are:
- Kids and pregnant women get way higher limits (like up to 200%+ of the poverty line).
- Regular adults or parents? Super low, like only around $355–$963 a month depending on family size (Florida is tough on that).
- Seniors (65+) and disabled peeps usually go through special rules, sometimes with a “spend-down” if you make a bit more.
- For nursing homes or home care (long-term stuff), you can make up to $2,982/month as a single person.
They use something called Federal Poverty Level (FPL) for most family stuff, and a fixed number for old/disabled long-term care. Monthly is what they check, but yearly is just x12.
People search stuff like Florida Medicaid income chart 2026, Medicaid income limits Florida, Florida Medicaid salary limit, and Medicaid income guidelines Florida all the time – this covers it!
Income Limits Chart (2026) – Quick Look
For long-term care (nursing home or home-based help for seniors/disabled):
- Single person: $2,982/month (that’s the big one for 2026!)
- Married couple both applying: $5,964/month ($2,982 each)
- One spouse applying: Still $2,982/month for the one who needs care, but the other spouse can keep more stuff.
For regular aged/disabled Medicaid: Around $1,149/month (this might update a lil later in 2026).
If you make too much, there’s a “medically needy” thing where you spend extra on bills to qualify (spend-down). The base for that is like $180/month for singles.
Florida Medicaid salary limit for nursing homes is that $2,982 vibe now.
Income Limits by Household Size (For Families, Kids, Pregnant)
This is the chart for kids, pregnant women, and parents – monthly max income:
| Family Size | Babies Under 1 (211% FPL) | Kids 1-5 (145% FPL) | Kids 6-18 (138% FPL) | Parents/Caretakers (super low) | Pregnant Women (~196% FPL) |
| 1 | $2,754 | $1,893 | $1,801 | $355 | $2,588 |
| 2 | $3,720 | $2,558 | $2,434 | $476 | $3,456 |
| 3 | $4,688 | $3,222 | $3,066 | $598 | $4,355 |
| 4 | $5,654 | $3,886 | $3,698 | $719 | $5,252 |
| 5 | $6,621 | $4,550 | $4,330 | $841 | $6,151 |
| 6 | $7,588 | $5,215 | $4,963 | $963 | $7,049 |
Add more for bigger families. Kids get the best deals! Parents tho? Yeah, it’s rough unless you got kids qualifying.
Medicaid Income Rules for Seniors
Seniors and disabled people usually have lower limits for regular Medicaid, like $1,149/month or so. But for nursing home or HCBS (home help), it’s higher – up to $2,982/month in 2026.
If you make over, you might pay part of your income to the care place. Social Security counts as income (yep, Is Social Security counted as income for Medicaid? – Usually yes, except pure SSI sometimes helps auto-qualify).
Assets are low too, like $2,000 for one person in long-term care.
Income Rules for Pregnant Women & Children
Pregnant women get good limits – up to around $2,588 for one person, higher with more family. Covers baby stuff, delivery, and after birth.
Kids:
- Under 1: Highest, like $2,754 for family of 1.
- 1-5: $1,893.
- 6-18: $1,801.
No checking your savings for these – just income. If over, kids might get Florida KidCare instead. Find out more about Florida Medicaid Eligibility 2026
What Counts as Income?
They look at Modified Adjusted Gross Income (MAGI) for families/kids/pregnant:
- Counts: Job money, self-employment, unemployment, Social Security (yes!), pensions, interest, child support.
- Doesn’t count: Some gifts, SSI payments, certain vet stuff.
For seniors/disabled: Similar, but more deductions sometimes.
What If You Earn Slightly More? (Can I qualify if my income is over the limit?)
Yeah, maybe!
- Use “medically needy” – pay medical bills to lower your countable income.
- For long-term care, set up a special trust (Qualified Income Trust) to park extra money.
- Apply anyway – they might find ways or deductions you didn’t know.
- Check Marketplace insurance if over Medicaid.
- Limits change every year, so re-apply if things shift.
What is the maximum income to qualify for Medicaid in Florida? – Depends: Up to $2,982/month for long-term care singles, but way less for parents (like $355–$963). Kids/pregnant get higher!
Always hit up the official Florida site (myflfamilies.com) or apply through ACCESS Florida to see your exact deal – these are the 2026 numbers from reliable spots.
