Key threshold: If your income is below $22,025 (individual) or $45,540 (family of 4), you likely qualify for Healthy Indiana Plan (HIP) with free or very low-cost coverage. No premiums, no deductibles.
Indiana Medicaid Income Limits 2026
The following table shows the key income thresholds for Indiana in 2026:
| Household Size | 100% FPL | 138% FPL (Medicaid Limit) | 400% FPL (Subsidy Limit) |
|---|---|---|---|
| 1 | $15,960 | $22,025 | $63,840 |
| 2 | $21,640 | $29,863 | $86,560 |
| 3 | $27,320 | $37,702 | $109,280 |
| 4 | $33,000 | $45,540 | $132,000 |
| 5 | $38,680 | $53,378 | $154,720 |
| 6 | $44,360 | $61,217 | $177,440 |
If your household income falls below the 138% FPL column, you qualify for Healthy Indiana Plan (HIP). If your income is between 138% and 400% FPL, you qualify for ACA marketplace subsidies to help pay for private insurance.
About Healthy Indiana Plan (HIP)
Who Qualifies for Healthy Indiana Plan (HIP)
If you're an Indiana resident trying to understand your healthcare options, you'll want to know about the Healthy Indiana Plan (HIP), which is the state's Medicaid program. It covers adults up to 138% of the Federal Poverty Level (FPL), and also extends to children, pregnant women, seniors, and individuals with disabilities. For a single person, this means an income limit of approximately $1,731 per month, or about $20,772 annually. A household of two would have an income limit of around $2,343 per month, or $28,116 annually. For a family of three, the limit is about $2,955 per month, or $35,460 annually, and for a family of four, it's roughly $3,567 per month, or $42,804 annually. As of 2024, approximately 1.88 million people, or 27.2% of Indiana's population, are enrolled in Medicaid or CHIP, demonstrating that this is a widely used and essential program.
If You're Near the Income Line
If your income is close to the Medicaid cutoff, you might transition between HIP and marketplace coverage on HealthCare.gov. For example, if your income is just above the 138% FPL threshold, you'd likely qualify for significant subsidies on the marketplace. With Indiana's benchmark Silver plan at approximately $491 per month, subsidies could drastically reduce what you actually pay. It's important to remember that income changes can shift your eligibility, so it's crucial to report any household income fluctuations. If you lost coverage during recent Medicaid redeterminations, you can reapply at any time if your circumstances change and you believe you now qualify.
What Healthy Indiana Plan (HIP) Covers
The Healthy Indiana Plan offers comprehensive benefits. For HIP Plus members, cost-sharing is managed through a "POWER Account Contribution," which is an affordable monthly payment based on your income, with no copayments for doctor visits, pharmacy services, or hospital admissions. Preventive care and maternity services are not subject to deductibles. HIP Plus generally includes vision and dental coverage. Indiana also offers several Home and Community-Based Services (HCBS) waivers, such as the Indiana PathWays for Aging Waiver for individuals 60 and older, the Health & Wellness Waiver for those under 60 needing nursing facility level of care, and waivers for individuals with traumatic brain injuries or intellectual/developmental disabilities. These waivers allow individuals to receive care in their homes or communities rather than institutions.
Tips for Applying
Be aware of potential processing delays when applying for or renewing Medicaid in Indiana. Some individuals have reported delays in redetermination processing due to a high volume of cases. You'll need to provide documentation like proof of identity, income (pay stubs, bank statements, tax returns), and residency (utility bill, lease agreement). For seniors, there's an asset limit of $2,000 for a single applicant and $3,000 for a married couple where both apply, though certain assets like your primary home and one vehicle are exempt. If you are currently an MDwise member, you will need to select a new managed care plan from Anthem, CareSource, or Managed Health Services, as MDwise is no longer available as of January 1, 2026. If you don't choose, you'll be automatically assigned a plan, but you'll have a 90-day window to switch if you're not satisfied. To take action, gather all your necessary documents and apply online through the Indiana Family and Social Services Administration portal or HealthCare.gov, or visit your local Division of Family Resources office if you encounter delays or need assistance.
Marketplace Insurance in Indiana
Indiana residents who do not qualify for Medicaid can purchase private health insurance through the federal marketplace at HealthCare.gov. The average benchmark (second-lowest cost Silver) plan in Indiana costs approximately $491/month for a 40-year-old in 2026.
Premium tax credits (subsidies) are available for households with income between 100% and 400% FPL. Here is what a 40-year-old individual in Indiana might pay for a Silver plan after subsidies, based on the $491/month benchmark:
| Income Level | Annual Income | Your Cost | Monthly Subsidy |
|---|---|---|---|
| 150% FPL | $23,940 | ~$80/mo | $411/mo |
| 200% FPL | $31,920 | ~$173/mo | $318/mo |
| 250% FPL | $39,900 | ~$277/mo | $214/mo |
| 300% FPL | $47,880 | ~$392/mo | $99/mo |
| 400% FPL | $63,840 | ~$491/mo | $0/mo |
These estimates are for a 40-year-old individual on a benchmark Silver plan in Indiana. Actual premiums depend on your age, household size, tobacco use, and plan choice. Households with income between 100-250% FPL also qualify for cost-sharing reductions (CSR) on Silver plans, which lower deductibles and copays. Indiana uses the federal marketplace at HealthCare.gov.
How to Apply for Healthy Indiana Plan (HIP)
Medicaid enrollment is open year-round — there's no deadline. You can apply through any of these channels:
- Online: Apply through HealthCare.gov — the system automatically checks your Healthy Indiana Plan (HIP) eligibility when you enter your income. Or apply directly through Healthy Indiana Plan (HIP).
- Phone: Call Indiana's Medicaid helpline for guided help with your application.
- In person: Visit your local human services office or a certified application counselor.
You'll need proof of income (pay stubs or tax returns), proof of Indiana residency, and Social Security numbers for household members.
Calculate Your Subsidy in Indiana
Enter your income, age, and household size to see if you qualify for Medicaid or marketplace subsidies in Indiana.
Frequently Asked Questions
What is the income limit for Medicaid in Indiana?
In 2026, the Medicaid income limit in Indiana is 138% of the federal poverty level: $22,025 per year for an individual, $29,863 for a household of 2, $37,702 for 3, and $45,540 for a family of 4.
Is Medicaid expanded in Indiana?
Yes, Indiana has expanded Medicaid under the ACA. Adults aged 19-64 earning up to 138% of the federal poverty level qualify for Healthy Indiana Plan (HIP).
How do I get help paying for health insurance in Indiana?
Indiana residents with household income between 100% and 400% FPL ($15,960 to $63,840 for an individual in 2026) qualify for premium tax credits that reduce the cost of marketplace health insurance. Apply through HealthCare.gov.
What is the Indiana Medicaid program called?
Indiana's Medicaid program is known as Healthy Indiana Plan (HIP). It provides health coverage for eligible low-income residents including children, pregnant women, seniors, and adults up to 138% FPL.
How do I keep my health insurance if I lose Medicaid in Indiana?
If your Healthy Indiana Plan (HIP) coverage ends due to income changes or redetermination, you qualify for a Special Enrollment Period on the marketplace. This gives you 60 days to sign up for a private plan through HealthCare.gov. If your income is between 100-400% FPL, you'll likely qualify for subsidies to help cover the cost.
Can I get Medicaid in Indiana if I have a job?
Yes. Medicaid eligibility in Indiana is based on your Modified Adjusted Gross Income (MAGI), not your employment status. If your household income is at or below 138% FPL ($22,025 for an individual), you qualify for Healthy Indiana Plan (HIP) even if you work full-time. Many Healthy Indiana Plan (HIP) enrollees are working adults.
Healthy Indiana Plan (HIP) vs. marketplace insurance — which is better?
Medicaid (Healthy Indiana Plan (HIP)) is free or near-free with no premiums or deductibles. Marketplace plans in Indiana average $491/month before subsidies. If you qualify for Medicaid, it's the more affordable option. If your income puts you just above the cutoff, subsidized Silver plans with cost-sharing reductions are the next best thing.