Ohio Medicaid income limits 2025
Last verified: June 2026
No asset test for adults, children, and pregnant women — only income counts
Dollar figures update each January with new HHS poverty guidelines
Ohio Medicaid income limits by coverage group
Ohio Medicaid uses Modified Adjusted Gross Income (MAGI) methodology to determine eligibility for most coverage groups. MAGI counts most taxable income but excludes child support received, certain veteran's benefits, and other specific items. Social Security income is not counted for children and certain other groups.
| Coverage group | Income limit (FPL%) | Approx. monthly limit — 1 person (2025) | Approx. monthly limit — 4 people (2025) |
|---|---|---|---|
| Adults 19–64 (ACA expansion / Group VIII) | 138% FPL | ~$1,732/mo | ~$3,550/mo |
| Children under 19 (Ohio Medicaid) | Up to 211% FPL | ~$2,648/mo | ~$5,423/mo |
| Children 211–300% FPL (Healthy Start / CHIP) | 211–300% FPL | Varies | Varies |
| Pregnant women | 200% FPL | ~$2,510/mo | ~$5,145/mo |
| Seniors and adults with disabilities (SSI-related) | Varies — SSI income rules apply | See ODM | See ODM |
| Nursing facility / long-term care | Income rules + asset test apply | See ODM | See ODM |
Dollar figures are approximate based on 2025 HHS Federal Poverty Level guidelines. They update each January. Source: HHS annual poverty guideline publication.
No asset test for MAGI-based Ohio Medicaid
For adults, children, and pregnant women covered under MAGI methodology, Ohio Medicaid does not consider assets. A checking account with $50,000, a paid-off car, or equity in a home does not count against eligibility. Only income matters for these groups. This is a common misconception — many people assume Medicaid will count their savings and decline to apply when they might qualify.
The asset test does apply to long-term care programs for seniors. An individual applicant seeking nursing facility coverage faces a $2,000 resource limit (the federal minimum). Spousal protections apply — a community spouse can retain significantly more. See the seniors and long-term care page for details on asset rules and spend-down.
What counts as income for Ohio Medicaid?
MAGI-based income counts wages, salary, tips, self-employment net income, unemployment compensation, taxable Social Security benefits (for adults), alimony received (if from a pre-2019 divorce agreement), rental income, and most investment income. It does not count child support you receive, SNAP benefits, SSI payments, veterans' disability compensation, or workers' compensation.
Household size matters. A single adult at 138% FPL qualifies; add a spouse and two children, and the 138% threshold rises to cover a higher dollar amount because the household is larger. Ohio Benefits uses household composition as entered on the application to determine the applicable threshold.
Self-employed applicants use net income after deducting allowable business expenses. Seasonal or irregular income is averaged over a 12-month period in most cases. If your income fluctuates significantly month to month, ask your county CJFS worker how they'll calculate it — the method can make a difference.
H.R. 1 may affect eligibility thresholds for some adult groups
2025 income limits by household size
| Household size | 138% FPL (adults) | 200% FPL (pregnant) | 211% FPL (children) |
|---|---|---|---|
| 1 person | ~$1,732/mo | ~$2,510/mo | ~$2,648/mo |
| 2 people | ~$2,342/mo | ~$3,395/mo | ~$3,581/mo |
| 3 people | ~$2,952/mo | ~$4,279/mo | ~$4,513/mo |
| 4 people | ~$3,550/mo | ~$5,145/mo | ~$5,428/mo |
| 5 people | ~$4,160/mo | ~$6,030/mo | ~$6,361/mo |
| 6 people | ~$4,770/mo | ~$6,913/mo | ~$7,293/mo |
Figures approximate, based on 2025 HHS Federal Poverty Guidelines. Update annually each January. Verify current amounts at medicaid.ohio.gov.
Ohio vs neighboring states: adult Medicaid income limits
| State | Expansion? | Adult income limit |
|---|---|---|
| Ohio | Yes (2014) | 138% FPL |
| Pennsylvania | Yes (2015) | 138% FPL |
| Michigan | Yes (2014) | 138% FPL |
| Indiana | Yes (HIP 2.0, 2015) | 138% FPL |
| Kentucky | Yes (2014) | 138% FPL |
| West Virginia | Yes (2014) | 138% FPL |