Illinois Medicaid Income Limits for 2025 (By Family Size)
Getting healthcare coverage through Illinois Medicaid depends on your household income and who’s in your family—like children, seniors, or someone with a disability. But don’t worry, we’ve broken it down into simple terms so you can find out if you qualify and what to do next.
Whether you’re a parent, senior, single adult, or caregiver, this guide will walk you through the income limits for 2025, based on your family size and situation.
🏥 What Is Medicaid?
Medicaid is free or low-cost health insurance for people with limited income. It covers doctor visits, hospital care, prescriptions, mental health, dental (especially for kids), and even nursing home care for seniors.
In Illinois, you can apply for Medicaid through the ABE website or a local DHS office. But before you apply, it helps to know if you’re likely to qualify.
📊 2025 Illinois Medicaid Income Limits
These limits are based on gross monthly income (before taxes) and federal poverty guidelines, which adjust every year.
🔹 For Adults Age 19–64 (ACA Medicaid / Expansion Group)
If you're a single adult or married couple without Medicare, and you're not pregnant or disabled, these are your limits:
✅ This group qualifies if income is at or below 138% of the Federal Poverty Level (FPL).
🔹 For Children (All Kids Program)
Kids under 19 in Illinois may qualify for All Kids, even if their parents earn more than the typical Medicaid cutoff.
💡 Some children may still qualify for a low-cost plan under All Kids Premium even if the family earns more. Coverage includes medical, dental, and vision care.
🔹 For Pregnant Women
If you’re pregnant, you can qualify for Moms & Babies Medicaid with higher income limits:
✅ Covers prenatal care, delivery, and postpartum care for up to 12 months after birth.
🔹 For Seniors & People with Disabilities (AABD Medicaid)
Income rules here are stricter, but assets also matter. To qualify:
Individual: Monthly income under $1,255
Couple: Monthly income under $1,703
Asset limit: $2,000 for individuals, $3,000 for couples
💬 AABD also helps with nursing home costs, home care, and medical equipment. You may also qualify for Medicare Savings Programs (MSPs) to pay for Part B premiums.
🧾 What Counts as Income?
Wages (before taxes)
Social Security (SSI, SSDI, retirement)
Unemployment
Pensions
Child support
💡 SNAP, tax refunds, and some disability benefits are not counted toward income in many Medicaid groups.
❓ What If You Make a Bit Too Much?
You may still qualify under a “Spend-down” Medicaid program, especially if you're elderly or disabled. This works like a deductible—you pay out of pocket up to a certain limit each month, then Medicaid covers the rest.
🩺 This can be helpful for people with high medical costs but moderate income.
✅ What To Do Next
If you think you qualify:
Apply online at abe.illinois.gov
Gather documents: ID, proof of income, Social Security numbers, etc.
Get free help through a local DHS office or community navigator.
📌 Final Tip
Income guidelines can change every year, usually around February or March. If you were denied before, it might be worth checking again. Medicaid is also available year-round—you don’t have to wait for open enrollment like other health plans.
