Florida Medicaid and KidCare limits by household size
The table turns every Florida coverage group into a monthly dollar ceiling for households of one to six, using the 2026 poverty guidelines of $15,960 a year for one person plus $5,680 for each extra person.[9] DCF’s own chart for April 2026 through March 2027 prints dollars only, no percentages; the percentages here are the ones those dollars work out to.[1]
| Program and group | % FPL | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|---|
| Family-Related Medicaid – Parents and Caretakers Parent or caretaker of a child under 19; fixed dollar standard + 5% disregard | fixed $ | $422 | $568 | $713 | $860 | $1,007 | $1,152 |
| Family-Related Medicaid – Pregnant Women Pregnant; incl. 5% disregard | 196% | $2,607 | $3,535 | $4,463 | $5,390 | $6,318 | $7,246 |
| Medicaid for Children – Under age 1 Child under 1; incl. 5% disregard | 211% | $2,807 | $3,806 | $4,804 | $5,803 | $6,802 | $7,800 |
| Medicaid for Children – Ages 1 to 5 Child 1–5; incl. 5% disregard | 145% | $1,929 | $2,615 | $3,302 | $3,988 | $4,674 | $5,361 |
| Florida KidCare – MediKids (1-4) / Florida Healthy Kids (5-18) / CMS Health Plan Child 1–5 | 200% | $2,660 | $3,607 | $4,554 | $5,500 | $6,447 | $7,394 |
| Medicaid for Children – Ages 6 to 18 Child 6–18; incl. 5% disregard | 138% | $1,836 | $2,489 | $3,142 | $3,795 | $4,449 | $5,102 |
| Florida KidCare – MediKids (1-4) / Florida Healthy Kids (5-18) / CMS Health Plan Child 6–18 | 200% | $2,660 | $3,607 | $4,554 | $5,500 | $6,447 | $7,394 |
| MEDS-AD / ICP-MEDS (aged & disabled) 65 or older, blind or disabled; single / couple, non-MAGI rules, asset test applies | 88% | $1,171 | $1,588 | $1,588 | $1,588 | $1,588 | $1,588 |
DCF’s chart can sit a dollar or two above these figures because of rounding: it lists $2,608 for a one-person pregnancy case, where 196% works out to $2,607.[1] The parent row adds the 5% MAGI disregard to DCF’s dollar standard. KidCare’s posted chart still uses the 2025 guidelines, so its dollar amounts are a little lower than the 2026 conversion shown here.[6][8]
Adults and parents: Florida has not expanded Medicaid
Florida has not expanded Medicaid, so an adult aged 21 to 64 who is not pregnant, not disabled and not raising a child generally cannot get full Medicaid, however low the income.[8] The only adult group based on income alone is Family-Related Medicaid for parents and caretakers, and it uses a small dollar standard, not a percentage:[1]
- Household of 2: $478 a month ($568 with the disregard)
- Household of 3: $600 ($713)
- Household of 4: $723 ($860)
- Household of 5: $846 ($1,007)
Young adults aged 19 and 20 are measured against the same column of DCF’s chart.[1][2] Assets do not matter for these family groups: DCF does not count bank accounts, mutual funds, vehicles or a homestead.[3] A parent whose wages are above the standard loses only their own coverage; the children are tested against the much higher limits below.
Medicaid income limits Florida sets for pregnancy, children and KidCare
A pregnant woman qualifies with income up to about 196% of poverty, $3,535 a month in a household of two, and coverage continues for 12 months after the birth.[1][5] Children’s Medicaid steps down with age:[1]
- Under age 1: about 211%, $4,804 for a family of three
- Ages 1 to 5: about 145%, $3,302 for three
- Ages 6 to 18: about 138%, $3,142 for three
Above those lines, Florida KidCare picks up children through MediKids (ages 1–4), Florida Healthy Kids (ages 5–18) and the Children’s Medical Services Health Plan. KidCare’s chart charges a $15 monthly premium at 133.01–158% of poverty and $20 at 158.01–200%; above 200% families can buy in at full price.[6] The chart lists full-pay premiums of $276 per child for Healthy Kids with dental and $248.21 for MediKids, while the Legislature’s estimating conference reports the full-pay premium held at $242.50 for FY 2026-27.[6][7] For a family of four, 200% is $5,500 a month on the 2026 guidelines, or $64,300 a year on the 2025 chart KidCare still posts.[6]
MEDS-AD and other limits for people 65+, blind or disabled
MEDS-AD covers Floridians who are 65 or older or disabled with income up to 88% of poverty, $1,171 a month for one person or $1,588 for a couple, and countable assets of no more than $5,000 or $6,000.[4] These SSI-related groups use their own rules, including a $20 standard income disregard, and Appendix A-9 (July 2026) lists several more:[4]
- ICP, HCBS waiver and hospice: 300% of the SSI benefit rate, $2,982 single or $5,964 for a couple; assets $2,000 / $3,000
- Working People with Disabilities: income up to $5,467 (550% of the SSI rate); assets $2,000 plus a $13,000 disregard
- Working Disabled: 200% of poverty, $2,660 / $3,607; assets $5,000 / $6,000
- Medically Needy: no income cap; DCF subtracts a medically needy income level of $180 (single) or $241 (couple) from gross income and the rest becomes a monthly share of cost; assets $5,000 / $6,000
How DCF counts income, and where to apply
Family-Related Medicaid and KidCare look at the household’s modified adjusted gross income (MAGI) under federal rules, which generally allow a disregard equal to 5% of poverty; MEDS-AD and the other SSI-related groups use non-MAGI rules, with an asset test.[8][4] Use the checker above with gross monthly income before taxes.
Applications go through the ACCESS Florida website, MyACCESS, run by the Department of Children and Families.[3] Questions about a case go to the DCF Office of Economic Self-Sufficiency Customer Contact Center at (850) 300-4323, and KidCare questions to 1-888-540-5437.[5][6]
Florida Medicaid changes in 2026 and 2027
The biggest 2026 change is the new chart, in force from April 2026 to March 2027, with SSI-related standards updated in July 2026.[1][4] Other points to know:
- Working People with Disabilities. Under HB 915, effective May 21, 2026, members can choose to opt out of the program.[5]
- KidCare expansion still on hold. A 2023 law (HB 121) raised the subsidized KidCare threshold from 210% to 300% of poverty, but it has not been put in place. The state’s federal lawsuit over CHIP rules was voluntarily dismissed in February 2026, and the Legislature’s economists say the next steps are unknown.[7]
- Immigrant eligibility. From October 1, 2026, federal Medicaid and CHIP funding is limited to citizens, green-card holders, Cuban and Haitian entrants and COFA migrants, with narrow exceptions.[12]
- Work rule and 6-month renewals. From January 1, 2027, the federal community engagement rule (80 hours a month or $580 in monthly earnings) and twice-yearly renewals apply to Medicaid expansion adults.[10][11] Florida has no expansion group, so neither changes the limits above.
This site is independent and is not part of DCF or Florida KidCare. DCF makes every decision; the checker only compares your numbers with the published limits.
Official Florida links
- MyACCESS Florida (apply, renew, report changes)
- DCF Medicaid income limits, April 2026 – March 2027
- Florida KidCare income guidelines
Many Florida families who qualify for Medicaid also qualify for food help; see Florida food stamps. Compare Florida with New York Medicaid income limits, Indiana Medicaid income limits and Ohio Medicaid income limits, read the national food stamps income limit tables, or start from the SNAP calculator.
Frequently asked questions
What is the Medicaid income limit in Florida for a single adult?
There usually isn’t one: Florida has not expanded Medicaid, so a single adult aged 21–64 who is not pregnant or disabled cannot qualify at any income. A single person who is 65+ or disabled can get MEDS-AD with income up to $1,171 a month and assets up to $5,000.
What are the 2026 Medicaid income limits Florida uses for a family of 4?
For April 2026 – March 2027: parents $723 a month on DCF’s standard ($860 with the 5% disregard), children 6–18 $3,795, children 1–5 $3,988, babies under 1 $5,803, and KidCare up to $5,500 at 200% of poverty.
How much can a pregnant woman make and get Medicaid in Florida?
About 196% of poverty: $3,535 a month for a household of two, $4,463 for three and $5,390 for four. Coverage lasts through 12 months after the birth.
Does Florida Medicaid count assets?
Not for parents, children or pregnancy coverage: bank accounts, vehicles and a homestead are not counted. MEDS-AD and Medically Needy allow $5,000 for one person or $6,000 for a couple; nursing-home and waiver coverage allows $2,000 or $3,000.
Sources
- Medicaid Income Limits (Effective April 2026 – March 2027)
- Determining your Medicaid income limit (coverage groups)
- Family-Related Medicaid Program Fact Sheet
- ESS Program Policy Manual, Appendix A-9: SSI-Related Medicaid Coverage Groups Financial Eligibility Standards
- Medicaid (program page, contact center and Working People with Disabilities opt-out under HB 915)
- Florida KidCare Income Guidelines (premium bands and full-pay rates)
- Social Services Estimating Conference: Florida KidCare, executive summary
- Medicaid, Children’s Health Insurance Program and Basic Health Program Eligibility Levels (MAGI groups by state)
- 2026 Poverty Guidelines for the 48 contiguous states, Alaska and Hawaii
- Medicaid Program; Community Engagement Requirement for Certain Individuals (CMS-2454-IFC), implementing P.L. 119-21 § 71119
- State Medicaid Director Letter SMD #26-001: eligibility redeterminations every 6 months for expansion adults (P.L. 119-21 § 71107)
- State Health Official Letter SHO #26-001: Medicaid and CHIP eligibility of certain immigrants (P.L. 119-21 § 71109)