Medicaid Income Limits in New York in 2024 (Updated)

To qualify for Medicaid, your income must be at or below certain Federal Poverty Level (FPL) percentages. The exact percentage depends on the specific Medicaid program you are applying for and varies by state. For most adults under the age of 65, the income limit is set at 138% of the FPL. However, states have flexibility and may set higher income limits for certain groups like pregnant women, children, or people in need of long-term care.

There are two categories of Medicaid eligibility

MAGI stands for Modified Adjusted Gross Income Category, it matters because depending on which category you're in, your income limit will differ.

Most people fall under the Modified Adjusted Gross Income (MAGI) category when determining Medicaid eligibility. MAGI is used for most non-disabled adults and children under the age of 65. Non-MAGI typically applies to individuals who are 65+, disabled, blind, or who need long-term care. Different income limits and calculation methods apply to each category.

1. You are MAGI if:

• Singles/Childless couples ages 19 through 64 who are not entitled to or enrolled in Medicare.
• You are pregnant
• Dependent children under the age of 19
• Parents/caretaker relatives of children under 19

2. You are Non-MAGI if: 

• You are 65 or older and you are disabled or blind
• You need or receive long-term care services

3. You are neither if:

• You make more than the maximum income threshold.
• You are on Medicare and you are not disabled.
• You are not a U.S. citizen or legal immigrant.
• You are not a NY state resident (then you need to get Medicaid in your state)

If you are not eligible for Medicaid and find options on the exchange unaffordable, Mira could make a good fit at $45/month.