Short answer
How much can you make and still get Medicaid in Indiana?
Most adults ages 19 to 64 may qualify for the Healthy Indiana Plan (HIP) with monthly income up to $1,835.50 for one person. The HIP limit for a family of four is $3,795.50, effective March 1, 2026. (Indiana FSSA, HIP Federal Poverty Level Income Chart) (Indiana Medicaid, Eligibility Guide) Children and pregnant individuals have higher limits through Hoosier Healthwise. (Indiana Medicaid, Eligibility Guide)
| Group | Program | Smallest family size listed | Family of 4 | Basis |
|---|---|---|---|---|
| Adults 19 to 64 | HIP | $1,835.50 (1 person) | $3,795.50 | 133 percent of poverty plus a 5 percent disregard (FSSA HIP chart) |
| Children through age 18 | Hoosier Healthwise | $3,391.50 (1 person) | $7,012.50 | FSSA Eligibility Guide (Eligibility Guide) |
| Pregnant individuals | Hoosier Healthwise | $3,841.20 (2 people, counting the unborn child) | $5,857.50 | FSSA Eligibility Guide (Eligibility Guide) |
| Aged, blind, or disabled | Traditional Medicaid, Hoosier Care Connect, or PathWays | $1,330.00 (1 person) | $2,750.00 | FSSA Eligibility Guide, plus an asset test (Eligibility Guide) |
Source: Indiana Medicaid, Eligibility Guide and Indiana FSSA, HIP Federal Poverty Level Income Chart. Verified .
Indiana FSSA decides eligibility. Benefit Bull is free and never submits applications for you.
Indiana runs Medicaid under a few program names. HIP covers most adults, Hoosier Healthwise covers children and pregnant individuals, and separate programs cover people who are aged, blind, or disabled. (Indiana Medicaid, Eligibility Guide)
All limits on this page are monthly income before taxes, not take-home pay. FSSA calls its guide a guide only: you must apply to know for sure. (Indiana Medicaid, Eligibility Guide)
What is the difference between HIP Plus and HIP Basic?
HIP is for Indiana residents ages 19 to 64 who are not eligible for another Medicaid program and are not on Medicare. (Indiana FSSA, HIP Eligibility and Contribution Calculator) The adult factors FSSA lists are age, other health insurance, and income. Having children is not one of them. (Indiana Medicaid, Eligibility Guide)
| Household size | HIP Basic limit | HIP Plus limit* |
|---|---|---|
| 1 | $1,330.00 | $1,835.50 |
| 2 | $1,804.00 | $2,489.20 |
| 3 | $2,277.00 | $3,141.88** |
| 4 | $2,750.00 | $3,795.50 |
| 5 | $3,224.00 | $4,449.20 |
| 6 | $3,697.00 | $5,101.85 |
| 7 | $4,170.00 | $5,755.50 |
| 8 | $4,644.00 | $6,408.20 |
| Each additional person | +$473.00 | +$652.50 |
*133 percent of poverty plus a 5 percent income disregard, which is the overall HIP income limit. FSSA notes the threshold is not rounded. (Indiana FSSA, HIP Federal Poverty Level Income Chart)
**This is the figure on the FSSA HIP chart. The Indiana Medicaid Eligibility Guide lists $3,141.85 for the same family size. (Indiana FSSA, HIP Federal Poverty Level Income Chart) (Indiana Medicaid, Eligibility Guide)
HIP members pay a monthly contribution of 2 percent of family income to get HIP Plus. (Indiana Medicaid, Eligibility Guide)
HIP Plus covers vision, dental, and chiropractic care, which HIP Basic does not. HIP Basic charges copays instead. The FSSA HIP brochure lists $4 per doctor visit or outpatient service and $75 per inpatient stay. Treat these as estimates: FSSA and your health plan set what you actually pay. (Indiana FSSA, HIP brochure)
Indiana HIP work requirements starting January 1, 2027
Use the HIP Plus column as your ceiling. The Basic column matters for which plan you land in, not whether you may qualify.
What are the limits for children and pregnant individuals?
Children through age 18 are covered through Hoosier Healthwise. Some families pay a monthly premium based on income. (Indiana Medicaid, Eligibility Guide)
| Family size | Children | Pregnant individuals |
|---|---|---|
| 1 | $3,391.50 | not listed |
| 2 | $4,599.20 | $3,841.20 |
| 3 | $5,805.85 | $4,849.85 |
| 4 | $7,012.50 | $5,857.50 |
| 5 | $8,220.20 | $6,866.20 |
For pregnancy, family size includes the unborn child or children. A pregnant individual can apply for Presumptive Eligibility to get care right away while the full application is processed. (Indiana Medicaid, Eligibility Guide)
If you are pregnant, ask a provider about Presumptive Eligibility on day one so care does not wait on paperwork.
What about older adults and people with disabilities?
People who are aged, blind, or disabled are served through Traditional Medicaid, Hoosier Care Connect, or Indiana PathWays for Aging (age 60 and up). The official monthly limit is $1,330.00 for one person and $2,750.00 for four. (Indiana Medicaid, Eligibility Guide)
This group also has an asset test: a maximum of $2,000 for a single person or $3,000 for a married couple. A home you live in, one vehicle, and burial spaces do not count. (Indiana Medicaid, Eligibility Guide)
People with disabilities who are institutionalized or eligible for home and community based waiver services may qualify with monthly income up to $2,982 (official limit), counting only their own income. (Indiana Medicaid, Eligibility Guide) For other money help after 60, see The Senior Money Checklist.
List bank balances and any property besides your home before applying. The asset test is where these applications usually stall.
How can I check my Indiana Medicaid eligibility?
Start with the FSSA Eligibility Guide, which shows the basic rules for typical groups. FSSA says it is only a guide, and you must apply to know for sure. (Indiana Medicaid, Eligibility Guide)
For HIP, FSSA's online calculator gives an estimate of eligibility and of your monthly POWER account contribution. FSSA says the results are estimates and do not guarantee approval or the contribution amount. For questions, FSSA lists 877-GET-HIP-9 (877-438-4479). (Indiana FSSA, HIP Eligibility and Contribution Calculator)
Benefit Bull's free check is a general screener across many programs. It shows what you may qualify for with estimated values. It is not a decision, and only FSSA decides.
Run the FSSA calculator to see an estimated contribution before you decide between HIP Plus and HIP Basic.
What if your income is too high for Medicaid?
Check each person separately. The children's limit for a family of four is $7,012.50 a month, far above the HIP limit of $3,795.50, so children may be covered when a parent is not. (Indiana Medicaid, Eligibility Guide) (Indiana FSSA, HIP Federal Poverty Level Income Chart)
If you do not qualify for the main programs, FSSA lists specialized programs: the family planning eligibility program and emergency services only. Working people with disabilities may be eligible for MEDWorks with slightly higher income and a monthly premium. (Indiana Medicaid, Eligibility Guide)
You can also apply through the federal Health Insurance Marketplace at HealthCare.gov. (Indiana Medicaid, Apply for Coverage)
Apply for the whole household even if you think one adult is over the limit. Each person is checked for the programs they may qualify for.
How do you apply for Indiana Medicaid?
Applications go to FSSA's Division of Family Resources. You can apply online through the FSSA Benefits Portal, in person at a local DFR office, by mail, or by phone at 1-800-403-0864. (Indiana Medicaid, Apply for Coverage)
A decision can take up to 90 days after a complete application. A certified navigator can help you with the application. (Indiana Medicaid, Apply for Coverage)
You submit your application yourself on the official site. Benefit Bull is free and never files for you.
Submit every requested document at once. The 90 day clock runs from a complete application, so a missing document can hold things up.
What Indiana Medicaid numbers should you know?
- $1,835.50
- Official HIP monthly income limit, 1 person
- $3,795.50
- Official HIP monthly income limit, 4 people
- 2%
- HIP Plus contribution, share of family income
- 90 days
- Maximum time for a decision
See which Indiana programs, including HIP and SNAP, may fit your household, with estimated values and official links.
Sources: (Indiana FSSA, HIP Federal Poverty Level Income Chart) (Indiana Medicaid, Eligibility Guide) (Indiana Medicaid, Apply for Coverage)
What this adds up to
In Indiana, a single adult earning up to $1,835.50 a month (the official HIP limit) may qualify for coverage, with or without children. Kids and pregnant individuals have much higher limits. DFR makes the final decision.
Sources
Every claim above links to the source it came from. Figures checked October 2026. Last updated October 17, 2026.
- Indiana Medicaid, Eligibility Guide (accessed October 17, 2026)
- Indiana FSSA, HIP Federal Poverty Level Income Chart (accessed October 17, 2026)
- Indiana FSSA, HIP Eligibility and Contribution Calculator (accessed October 17, 2026)
- Indiana FSSA, HIP brochure (PDF) (accessed October 17, 2026)
- Indiana Medicaid, Apply for Coverage (accessed October 17, 2026)
- Indiana FSSA Benefits Portal (accessed October 17, 2026)
