MassHealth income limits by household size
MassHealth sets its limits as a share of the federal poverty guidelines, and the 2026 figures took effect on March 1, 2026.[1] The table converts each one to monthly income for one to six people, using the 2026 guideline of $15,960 a year for one person.[8]
| Program and group | % FPL | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|---|
| MassHealth CarePlus Adult 19–64 | 133% | $1,769 | $2,399 | $3,028 | $3,658 | $4,288 | $4,917 |
| ConnectorCare (Health Connector) Adult 19–64 | 400% | $5,320 | $7,214 | $9,107 | $11,000 | $12,894 | $14,787 |
| MassHealth CarePlus Parent or caretaker of a child under 19 | 133% | $1,769 | $2,399 | $3,028 | $3,658 | $4,288 | $4,917 |
| MassHealth Standard – parents/caretaker relatives Parent or caretaker of a child under 19 | 133% | $1,769 | $2,399 | $3,028 | $3,658 | $4,288 | $4,917 |
| ConnectorCare (Health Connector) Parent or caretaker of a child under 19 | 400% | $5,320 | $7,214 | $9,107 | $11,000 | $12,894 | $14,787 |
| MassHealth Standard – pregnant people Pregnant | 200% | $2,660 | $3,607 | $4,554 | $5,500 | $6,447 | $7,394 |
| MassHealth Standard – children under 1 Child under 1 | 200% | $2,660 | $3,607 | $4,554 | $5,500 | $6,447 | $7,394 |
| MassHealth Family Assistance (children) Child under 1 | 300% | $3,990 | $5,410 | $6,830 | $8,250 | $9,670 | $11,090 |
| MassHealth Standard – children 1-18 Child 1–5 | 150% | $1,995 | $2,705 | $3,415 | $4,125 | $4,835 | $5,545 |
| MassHealth Family Assistance (children) Child 1–5 | 300% | $3,990 | $5,410 | $6,830 | $8,250 | $9,670 | $11,090 |
| MassHealth Standard – children 1-18 Child 6–18 | 150% | $1,995 | $2,705 | $3,415 | $4,125 | $4,835 | $5,545 |
| MassHealth Family Assistance (children) Child 6–18 | 300% | $3,990 | $5,410 | $6,830 | $8,250 | $9,670 | $11,090 |
MassHealth notes that its printed figures are rounded to whole dollars, for example $1,769 for one person at 133%.[1] Its 2026 booklet states each limit as “no more than” 133%, 150%, 200% or 300% and does not mention the 5% MAGI disregard that federal rules generally allow, so this page uses the percentages exactly as MassHealth prints them.[2][7] If your income is just over a line, apply anyway and let MassHealth do the math.
Adults and parents: CarePlus and MassHealth Standard
Massachusetts has expanded Medicaid: adults 21 to 64 can get MassHealth CarePlus when household income is at or below 133% of poverty, and CarePlus has no premiums.[2][7] Parents and caretaker relatives of children under 19 get MassHealth Standard at the same 133%, which works out to $2,399 for two, $3,028 for three and $3,658 for four.[2] A few adult groups have their own lines:[2]
- Young adults 19 and 20: MassHealth Standard up to 150% ($1,995 for one).
- Adults with a disability: Standard up to 133%; above that, MassHealth CommonHealth, with premiums above 133% or 150% and no upper income limit stated.
- Adults with HIV: Standard up to 133%, Family Assistance above 133% and up to 200%.
- Breast or cervical cancer treatment: up to 250%.
ConnectorCare for 2026: 100% to 400% of poverty
Adults who earn too much for MassHealth can get ConnectorCare through the Massachusetts Health Connector when 2026 household income is between 100% and 400% of poverty, up to $5,320 a month for one person.[4] ConnectorCare comes from the Health Connector, not MassHealth. The plan type, and the lowest monthly premium, depends on where income falls:[4]
- Plan Type 2A, 100–150%: $0
- Plan Type 2B, 150.1–200%: $53
- Plan Type 3A, 200.1–250%: $103
- Plan Type 3B, 250.1–300%: $152
- Plan Type 3C, 300.1–400%: $235
The 2024–2025 pilot that stretched ConnectorCare to 500% of poverty (Plan Type 3D) is not offered in 2026, because households above 400% no longer qualify for advance premium tax credits.[5][4] Separately, the Health Safety Net covers people with household MAGI up to 300% of poverty.[2]
Pregnancy and children: Standard and Family Assistance
Pregnant people and babies under 1 qualify for MassHealth Standard up to 200% of poverty, children 1 through 18 up to 150%, and MassHealth Family Assistance covers any child under 19 up to 300%.[2] During a pregnancy the unborn child counts in the household, so even a single pregnant person is a household of at least two ($3,607 a month).[2] For a family of three the children’s lines are $4,554 for an infant, $3,415 for an older child and $6,830 under Family Assistance.
Family Assistance for children between 150% and 300% carries a monthly premium per child of $13.20, $22 or $30.80, depending on the income band.[2] The Children’s Medical Security Plan (CMSP) covers uninsured children who do not qualify for MassHealth, at any income.[2]
MassHealth for people 65 and older
For community residents 65 and older, the MassHealth asset limit is $2,000 for one person and $3,000 for a married couple.[3] The income test for this group is not stated in the 2026 MassHealth documents cited on this page, so the checker does not estimate it; MassHealth applies non-MAGI rules here, not the percentages above.[3][1]
- Medicare Savings Programs: no asset limit since March 1, 2024.[3]
- Long-term care: the income cap is 300% of the SSI benefit rate, $2,982 a month.[3]
- Spouse at home: the community spouse can keep between $32,532 and $162,660 in resources.[3]
How to apply for MassHealth
The fastest way to apply for MassHealth is online at MAhealthconnector.org; MassHealth’s booklet points applicants there first.[2] MassHealth Customer Service is (800) 841-2900 (TTY 711), and the Health Connector’s line is 1-877-623-6765.[2][4] MassHealth counts the modified adjusted gross income (MAGI) of your MassHealth household, so enter monthly income before taxes in the checker.[2]
What changes in 2026 and 2027
For 2026 the main changes are the new income standards from March 1 and the end of ConnectorCare above 400%; 2027 brings federal rules that hit CarePlus adults and some immigrants.[1][5]
- Tax-credit repayment. Starting with tax year 2026, the caps on repaying excess advance premium tax credits are gone, so excess credits must be paid back without a cap.[6]
- Noncitizens. Federal Medicaid funding is limited to citizens, green-card holders and a few other groups from October 1, 2026, and in 2027 certain noncitizens lose access to premium tax credits and ConnectorCare.[11][6]
- Work rule for CarePlus. From January 1, 2027 at the latest, federal law requires expansion adults to show 80 hours a month of work, school, volunteering or a work program, or about $580 in monthly earnings, unless exempt.[9] Watch for MassHealth notices on how it applies to CarePlus.
- Renewals. Expansion adults will renew every 6 months instead of yearly, starting with renewals due on or after January 1, 2027.[10]
- Open enrollment for 2027 at the Health Connector runs October 23, 2026 to January 23, 2027.[6]
We are an independent site, not MassHealth or the Health Connector, and we do not sell or recommend insurance plans. Only MassHealth can decide eligibility.
- Apply online: Massachusetts Health Connector
- 2026 MassHealth income standards (DG-FPL_2026-03)
- MassHealth financial guidelines (65+, long-term care)
If groceries are tight too, the income rules for Massachusetts food stamps are on a separate page. See how other states compare in New York Medicaid income limits, Indiana Medicaid income limits and Ohio Medicaid income limits, check the food stamps income limit for every state, or go back to the SNAP calculator.
Frequently asked questions
What is the MassHealth income limit for 1 person in 2026?
For an adult 21–64, MassHealth CarePlus allows income up to 133% of poverty: $1,769 a month. Above that, ConnectorCare is available up to $5,320 a month (400%).
What is the MassHealth income limit for a family of 4?
Parents: $3,658 a month (133%). Children 1–18: $4,125 on Standard or $8,250 on Family Assistance. A pregnant parent or an infant: $5,500 (200%). ConnectorCare for the adults: up to $11,000.
Does MassHealth have an asset limit?
Not for CarePlus adults, whose eligibility is based on income (MAGI) alone. For community residents 65 and older the limit is $2,000 (single) or $3,000 (married couple); the Medicare Savings Programs have had no asset limit since March 1, 2024.
Is Massachusetts a Medicaid expansion state?
Yes. Expansion adults 21–64 are covered by MassHealth CarePlus up to 133% of poverty, and 19- and 20-year-olds by MassHealth Standard up to 150%. From 2027 federal law adds a work requirement and 6-month renewals for the expansion group.
Sources
- 2026 MassHealth Income Standards and Federal Poverty Guidelines (DG-FPL_2026-03)
- MassHealth Member Booklet for Health and Dental Coverage and Help Paying Costs (ACA-1-LP_2026-03)
- Program financial guidelines for certain MassHealth applicants and members
- ConnectorCare plans: 2026 plan year income ranges and plan types
- Updates: end of the ConnectorCare pilot above 400% of poverty
- Health Connector updates (federal changes for 2026–2027, Open Enrollment 2027)
- 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)