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Income and asset limits by program (PDF)

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Most people must have income within a certain limit to qualify for Minnesota Health Care Programs. Different programs use different rules to count income. It is important to tell us about all income you receive.

How much income can I have and qualify?
How much income you can have and qualify depends on the program you qualify for, your age, your family size and pregnancy or disability status. Select the category below that best describes you or your family to see the income limits in effect as of July 1, 2014:

Pregnant women, children and parents
People who have a disability and are employed

People who are blind or have a disability

Adults under age 65 without children

People 65 or older

Family planning coverage

People who need help with Medicare costs

Breast and cervical cancer coverage

Can I still get coverage if my income is more than the limit?
You may be able to get coverage even if your income is more than the limit. Some people whose income is more than the limit may still get coverage using a “spenddown.” A spenddown is like an insurance deductible. You pay for part of your medical expenses and Medical Assistance pays the rest. The chart below tells you if you can qualify using a spenddown.

You may also qualify for an Advanced Premium Tax Credit (APTC) to help pay for insurance through Minnesota’s health insurance marketplace, MNsure. An APTC helps pay all or part of the health insurance premium. Even if you do not qualify for an APTC, you can compare and buy health insurance at MNsure. You cannot be denied coverage even if you have a pre-existing condition.

Minnesota Health Care Programs Income Limits

Effective January 1, 2014

Pregnant women, children and parents

 

Income limit by household size

Over income

Premium

 

One

Two

Three

More than three

Income more than limit

Monthly premium

Pregnant women (counted as two people)

Medical Assistance

--

$3,644 per month

$4,584 per month

Add $940 per person

May qualify with a spenddown

No

Infants under age 2

Medical Assistance

$2,752 per month

$3,709 per month

$4,667 per month

Add $957 per person

May qualify with a spenddown

No

Children ages 2-18

Medical Assistance

$2,674 per month

$3,604 per month

$4,535 per month

Add $930 per person

May qualify with a spenddown

No

Children ages 19-20

Medical Assistance

$1,293 per month

$1,743 per month

$2,193 per month

Add $449 per person

May qualify with a spenddown

No

MinnesotaCare*

$22,980 per year

$31,020 per year

$39,060 per year

Add $8,040 per person

Do not qualify

No

Parents and relative caretakers with children under 19

Medical Assistance

--

$1,743 per month

$2,193 per month

Add $449 per person

May qualify with a spenddown

No

Parents, legal guardians, foster parents and relative caretakers with children under 21

MinnesotaCare*

--

$31,020 per year

$39,060 per year

Add $8,040 per person

Do not qualify

Yes

* People whose monthly income is less than the Medical Assistance income limit must enroll in Medical Assistance. If you qualify for Medical Assistance with a spenddown, MinnesotaCare may cost you less. A county worker can help you decide what is best for you.

People who are blind or have a disability, are 65 or older, or need help with Medicare costs

 

Income limit by household size

Over income

Premium

 

One

Two

Three

More than three

Income more than limit

Monthly premium

People who are blind or have a disability

Medical Assistance

$973 per month

$1,312 per month

$1,651 per month

Add $339 per person

May qualify with a spenddown

No

MinnesotaCare **

$22,980 per year

$31,020 per year

$39,060 per year

Add $8,040 per person

Do not qualify

Yes

People who are 65 or older

Medical Assistance

$973 per month

$1,312 per month

$1,651 per month

Add $339 per person

May qualify with a spenddown

No

MinnesotaCare **

$22,980 per year

$31,020 per year

$39,060 per year

Add $8,040 per person

Do not qualify

Yes

Help with Medicare costs

Qualified Medicare Beneficiary (QMB)

$993 per month

$1,332 per month

$1,671 per month

Add $339 per person

Do not qualify

No

Service Limited Medicare Beneficiary (SLMB)

$1,187 per month

$1,593 per month

$1,999 per month

Add $406 per person

Do not qualify

No

Qualifying Individuals (QI)

$1,333 per month

$1,790 per month

$2,247 per month

Add $457 per person

Do not qualify

No

Qualified Working Disabled (QWD)

$1,965 per month

$2,642 per month

$3,319 per month

Add $677 per person

Do not qualify

No

People with disabilities who are employed

Medical Assistance for Employed Persons with Disabilities (MA-EPD)

There is no income limit.
You must have earned income of at least $65 per month and meet the MA-EPD definition of employment.

Yes

** People enrolled or who can enroll in Medicare cannot qualify for MinnesotaCare. If you do not qualify for Medicare and qualify for Medical Assistance with a spenddown, MinnesotaCare may cost you less. A county worker can help you decide what is best for you.

Adults under age 65 without children

 

Income limit by household size

Over income

Premium

 

One

Two

   

Medical Assistance

$1,293 per month

$1,743 per month

No

No

MinnesotaCare***

$22,980per year

$31,020per year

No

Yes

*** People whose monthly income is less than the Medical Assistance income limit must enroll in Medical Assistance.

Other programs

 

Income limit by household size

Over income

Premium

 

One

Two

Three

More than three

Income more than limit

Monthly premium

Minnesota Family Planning Program

$1,945 per month

$2,622 per month

$3,299 per month

Add $677 per person

Do not qualify

No

Medical Assistance for Breast and Cervical Cancer (MA-BCC)

There is no income limit. You must meet other program rules.
See MA-BCC for details.

No

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