Illinois Medicaid income limits 2025
Last verified: June 2026
Illinois income limits are based on the 2025 HHS federal poverty guidelines
Illinois Medicaid income limits by coverage group
Illinois uses Modified Adjusted Gross Income (MAGI) rules to determine eligibility for most coverage groups. MAGI income counts wages, salaries, self-employment income, Social Security benefits, and most other income, but not child support received or certain other excluded items. Illinois Medicaid has no asset test for MAGI-based programs — savings accounts, a car, or a home do not disqualify most applicants.
| Coverage group | Income limit | ~Monthly (1 person) |
|---|---|---|
| Adults ages 19–64 (ACA expansion) | 138% FPL | ~$1,732/mo |
| Children 0–18 (All Kids Assist) | 142% FPL | No premium |
| Children 0–18 (All Kids Share) | ~157% FPL | No premium |
| Children 0–18 (All Kids Premium Level 1) | ~209% FPL | $15–$25/mo premium |
| Children 0–18 (All Kids Premium Level 2) | Up to 318% FPL | $40–$80/mo premium |
| Pregnant women (Moms & Babies) | 213% FPL | ~$2,546/mo |
| Parents/caretakers (FamilyCare Assist) | ~138% FPL | Up to $1,436/mo (family of 1) |
| SSI recipients | SSI limit | Automatic eligibility |
Source: HFS Medical Assistance programs; HFS FamilyCare income chart (hfs.illinois.gov); HFS All Kids income chart (hfs.illinois.gov/medicalprograms/allkids/income.html). Dollar figures are approximate, based on 2025 HHS FPL guidelines. All Kids premium levels reflect HFS cost sharing chart HFS 3711AK. FPL percentages include the mandatory 5% MAGI income disregard.
Adult Medicaid income limits by household size (138% FPL, approximate 2025–2026)
The table below shows approximate monthly income limits for standard adult Medicaid in Illinois at 138% FPL. These figures are estimates based on 2025 HHS federal poverty guidelines at 138%. Actual limits are set by HFS and may differ slightly.
| Household size | Approximate monthly limit | Approximate annual limit |
|---|---|---|
| 1 person | ~$1,732/mo | ~$20,783/yr |
| 2 people | ~$2,342/mo | ~$28,108/yr |
| 3 people | ~$2,953/mo | ~$35,433/yr |
| 4 people | ~$3,563/mo | ~$42,758/yr |
| 5 people | ~$4,174/mo | ~$50,083/yr |
| 6 people | ~$4,784/mo | ~$57,408/yr |
| 7 people | ~$5,394/mo | ~$64,733/yr |
| 8 people | ~$6,005/mo | ~$72,058/yr |
These figures are approximate estimates based on 2025 HHS federal poverty guidelines applied at 138% MAGI. HFS sets final income standards annually. For current official limits, use the ABE screener at abe.illinois.gov or contact HFS at 1-800-843-6154.
Children's Medicaid income limits are unusually high in Illinois
Illinois covers children up to 318% FPL under All Kids — one of the higher ceilings in the country. For context, a family of four earning up to approximately $98,000 per year could still qualify for All Kids coverage for their children at the Premium Level 2 tier. Premiums apply at that income level ($40 per child, $80 cap for two or more children), but coverage itself continues.
Children in households with income above the 142% FPL free-coverage threshold but below 318% FPL fall into the All Kids Share, Premium Level 1, or Premium Level 2 tiers. Each tier has different premium and cost-sharing amounts. Well-child visits and immunizations are free at all income levels. Per HFS, the annual family out-of-pocket maximum for All Kids Premium Level 1 is $100 per family.
Children who do not meet the 3-month waiting period for All Kids Premium Level 2 may qualify if their prior insurance was COBRA, if the premium exceeded 5% of household income, or if the child has special health care needs. The waiting period does not apply to children below approximately 209% FPL.
No asset test for most Illinois Medicaid programs
MAGI-based Illinois Medicaid — covering most adults, children, and pregnant women — has no asset test. A savings account, retirement account, home, or vehicle does not affect eligibility for these programs. This applies to the ACA expansion adult program, All Kids, and Moms & Babies.
Long-term care Medicaid for nursing home residents and certain seniors and people with disabilities uses separate non-MAGI rules that do include asset limits. The Community Care Program for older adults requires non-exempt assets of $17,500 or less, per the Illinois Department on Aging. See the seniors and long-term care page for details.
2025 income limits by household size
| Household size | 138% FPL (adults) | 213% FPL (pregnant) | 318% FPL (All Kids) |
|---|---|---|---|
| 1 person | $20,783/yr | $32,070/yr | $47,878/yr |
| 2 people | $28,208/yr | $43,524/yr | $64,942/yr |
| 3 people | $35,632/yr | $54,969/yr | $81,998/yr |
| 4 people | $43,056/yr | $66,412/yr | $99,055/yr |
| 5 people | $50,480/yr | $77,856/yr | $116,111/yr |
| 6 people | $57,904/yr | $89,300/yr | $133,168/yr |
Based on 2025 HHS Federal Poverty Guidelines. Monthly equivalents: divide by 12. Add ~$7,424/yr per additional person above 6.
All Kids: Illinois's unique program covers children to 318% FPL regardless of immigration status
Illinois All Kids launched in 2006 and accepts all children regardless of immigration status (unlike federally-funded Medicaid). Children at lower incomes receive free coverage; premiums of $15–$40/month apply at 200%+ FPL. All Kids uses state funds above the federal Medicaid match threshold.
Children under 142% FPL who meet standard Medicaid criteria pay $0 premium. From 142% to 318% FPL, All Kids coverage applies with a sliding-scale premium.
Illinois vs neighboring states: income limit comparison
| State | Adults (expansion) | Children (CHIP) | Expanded? |
|---|---|---|---|
| Illinois | 138% FPL | 318% FPL (All Kids) | Yes |
| Indiana | 138% FPL (HIP 2.0) | 250% FPL | Yes |
| Iowa | 138% FPL | 302% FPL | Yes |
| Wisconsin | 100% FPL (BadgerCare) | 300% FPL | Not fully |
| Missouri | 138% FPL (2021) | 300% FPL | Yes |
Illinois's All Kids at 318% FPL is among the highest children's thresholds in the nation and uniquely covers all immigration statuses.