Indiana Medicaid income limits for 2026: HIP and Hoosier Healthwise

Indiana Medicaid income limits by household size

Indiana’s 2026 Medicaid income standards took effect on March 1, 2026, and FSSA publishes them as monthly amounts to the cent.^[1] The table rounds each limit up to whole dollars from the 2026 poverty guidelines, with the 5% disregard included:^[2]

Two rows are marked “not re-verified for 2026”. FSSA’s guide prints only the overall ceiling for children (255%), so the Medicaid age bands for children, and the parent standard, come from Medicaid.gov’s table of state levels, which still shows data as of December 1, 2023.^[1][3] The HIP, pregnancy, CHIP and aged, blind and disabled rows match FSSA’s March 2026 figures.

Healthy Indiana Plan (HIP): adults 19 to 64

Indiana expanded Medicaid on February 1, 2015 through HIP 2.0, a section 1115 demonstration, so adults aged 19 to 64 qualify on income alone up to 133% of poverty, or 138% with the 5% disregard.^[4] FSSA’s monthly figures are $1,835.50 for one person, $2,489.20 for two, $3,141.85 for three, $3,795.50 for four and $4,449.20 for five.^[1] On a yearly basis, a single adult can earn up to $22,026.^[5]

HIP Plus requires a monthly contribution of 2% of family income.^[1] HIP also covers low-income parents and caretakers. Their own Medicaid standard is a dollar amount that Medicaid.gov converts to about 15% of poverty, and the checker tests a parent against both that standard and the HIP line. For a family of four with $3,500 a month, that means over $413 for the parent standard but under $3,795 for HIP, so the checker shows HIP.^[3][1]

Hoosier Healthwise: children, CHIP and pregnancy

Hoosier Healthwise covers children up to 250% of poverty (255% with the disregard) and pregnant women up to 208% (213%), according to FSSA’s March 2026 guide.^[1] Children above the Medicaid levels are in the CHIP package, and the guide says that, based on income, a family may owe a monthly premium.^[1]

• Children, overall ceiling (255%): $4,599.20 a month for two, $5,805.85 for three, $7,012.50 for four.^[1]
• Children’s Medicaid bands (2023 table): 208% under age 1 and 158% for ages 1 to 18, before the disregard, so about $4,483 for a child over 1 in a family of four.^[3]
• Pregnancy (213%): $3,841.20 for two, $4,849.85 for three, $5,857.50 for four. The unborn child counts in the household, which is why FSSA’s chart starts at two.^[1]

Aged, blind and disabled: 100% of poverty and a $2,000 asset limit

Hoosiers who are 65 or older, blind or disabled qualify through Traditional Medicaid, Hoosier Care Connect or Indiana PathWays for Aging (for people 60 and older) with income up to 100% of poverty: $1,330 a month for one person and $1,803.33 for a married couple.^[1] The asset limit is $2,000 for a single person and $3,000 for a married couple. For nursing home or home and community-based care, the special income level is $2,982 a month.^[1]

How to apply for Indiana Medicaid

You can apply online through the FSSA Benefits Portal at fssabenefits.in.gov or by phone with the Division of Family Resources at 1-800-403-0864.^[6] Questions about HIP go to 1-877-438-4479 (877-GET-HIP9).^[5] Have pay stubs or other proof of monthly income ready, since every Indiana limit is a monthly figure.

HIP 3.0 and other 2026–2027 changes

HIP 3.0 is a proposal, not the law: Indiana submitted a new section 1115 application that CMS received on October 9, 2026, found complete on October 20, 2026 and opened for a 30-day federal comment period.^[4][7] It has not been approved. Indiana wants to start on October 1, 2027, so that the full program runs for the 2028 plan year.^[4] As proposed, HIP 3.0 would:^[4]

• replace POWER accounts and the HIP Plus and HIP Basic split with cost sharing capped at 5% of income;
• add work requirements;
• ask CMS to confirm that Indiana may end or limit HIP enrollment if state funding runs short (no fixed enrollment cap is requested).

The application describes the adult group as up to 138% of poverty, or 133% plus the 5% disregard, the same line as today.^[4] Separately, CMS extended HIP 2.0’s substance use disorder and serious mental illness authorities to June 30, 2027.^[8]

Federal law also requires every state to begin a work requirement for expansion adults by January 1, 2027 at the latest: 80 hours a month of work or similar activity, or $580 of monthly income.^[9] Renewals for those adults move to every six months, starting with renewals scheduled on or after January 1, 2027.^[10]

Official Indiana links

• FSSA Benefits Portal (apply for Indiana Medicaid) DFR 1-800-403-0864
• Indiana Medicaid Eligibility Guide income standards effective March 1, 2026
• Healthy Indiana Plan (HIP) 877-GET-HIP9 (877-438-4479)

Indiana families under these limits may also check Indiana food stamps. Compare Indiana with New York Medicaid income limits, Ohio Medicaid income limits and Pennsylvania Medicaid income limits, use the national food stamps income limit tables, or start at the SNAP calculator.