Oklahoma Medicaid income limits
Last verified: June 2026
Verify current limits with Oklahoma Health Care Authority (SoonerCare)
SoonerCare income limits update annually — confirm current thresholds at mysoonercare.org
SoonerCare income limits by coverage group (2026 approximate)
Oklahoma uses MAGI (Modified Adjusted Gross Income) income rules for most SoonerCare eligibility groups. MAGI counts wages, self-employment income, alimony received, and most other taxable income. There is no asset test for MAGI-based eligibility groups — savings and property do not count.
| Coverage group | FPL % | ~Monthly limit (1 person) | ~Monthly limit (family of 4) |
|---|---|---|---|
| Adults 19–64 — ACA expansion | 138% FPL | ~$1,732/mo | ~$3,588/mo |
| Pregnant women | 200% FPL | ~$2,509/mo | ~$5,193/mo |
| Children under age 19 | Up to 205% FPL (SoonerCare) / 205%+ CHIP | Varies by age | ~$5,300/mo at 205% |
| Seniors 65+ and people with disabilities | Non-MAGI rules apply | Separate rules | Varies |
Source: OHCA SoonerCare eligibility guidelines at oklahoma.gov/ohca; 2026 HHS Federal Poverty Level guidelines. Dollar figures are approximations. Verify current thresholds at mysoonercare.org. Children's limits vary by age group — call OHCA at 1-800-987-7767 for the current chart.
No asset test for most SoonerCare groups
MAGI-based SoonerCare eligibility has no asset test. A car, savings account, or home equity do not affect eligibility. This applies to the ACA expansion group, pregnant women, and children. Long-term care Medicaid for seniors and adults with disabilities uses different non-MAGI rules that do include asset limits.
MAGI income counting excludes some sources: child support received is not counted. Irregular one-time income (like a tax refund or sale of property) may or may not count depending on the circumstances. If you are uncertain whether a specific income source counts, apply and let OHCA make the determination.
Medicaid expansion and what changed in 2021
Before State Question 802, most able-bodied adults without dependent children did not qualify for SoonerCare at any income level. Expansion opened SoonerCare to this group for the first time. The expansion group — adults 19 to 64 with income at or below 138% FPL — is funded with a 90% federal match under the ACA. Oklahoma pays only 10% of the cost for these members.
Adults above 138% FPL who need coverage can apply for ACA marketplace coverage at healthcare.gov. Income between 138% and 400% FPL qualifies for premium tax credits. The Oklahoma Insurance Department at oid.ok.gov has information on state marketplace options.
Income rules for seniors and long-term care
Older Oklahomans applying for Medicaid-funded long-term care — nursing facility coverage, the ADvantage Waiver, or other HCBS programs — are evaluated under separate non-MAGI rules. Both income and assets are reviewed. Contact the Oklahoma DHS Aging Services Division at 1-405-521-2281 or the local Long-Term Care Ombudsman for program-specific eligibility criteria.
How Medicaid income limits work
Medicaid eligibility is tied to the Federal Poverty Level (FPL), a measure the Department of Health and Human Services updates each January. States set their income limits as a percentage of FPL — so when FPL increases, the dollar thresholds for Medicaid also shift.
The Affordable Care Act established a standard income methodology called Modified Adjusted Gross Income (MAGI) for most Medicaid applicants. Under MAGI, the agency counts wages, salaries, self-employment income, Social Security benefits, and most other taxable income. Assets — a savings account, vehicle, home — are not counted for MAGI-based programs. That changed with the ACA and applies in all states.
States that expanded Medicaid under the ACA cover most adults at or below 138% FPL. In non-expansion states, income limits for adults without dependent children are far lower — sometimes as low as a few hundred dollars per month — or eligibility for that category simply doesn't exist.
These are federal guidelines — state limits may differ
What counts as income under MAGI
MAGI (Modified Adjusted Gross Income) is the income standard for most Medicaid applicants — children, adults under 65, pregnant women, and parents. It includes wages, salary, tips, self-employment income, unemployment benefits, Social Security retirement and disability benefits (SSDI), and most other taxable income.
It does not count child support received, gifts, loans, inheritances that are not generating income, or Supplemental Security Income (SSI) payments. One key MAGI rule: the ACA added a 5% FPL income disregard for most adults, which effectively raises the usable threshold by that amount. So a state with a 133% FPL limit effectively covers adults to about 138% FPL after the disregard.
Assets — a bank account, car, or home — are not counted for MAGI-based programs. That's a major difference from old-law Medicaid, where asset tests were common. If you previously didn't qualify because of assets, your eligibility may have changed after the ACA.
Asset limits and long-term care Medicaid
MAGI-based programs have no asset test. But Medicaid programs that cover long-term care — nursing home care, home and community-based services for seniors — use the old income and asset methodology, which does include asset limits.
Asset limits for long-term care Medicaid vary by state and are updated periodically. Generally, countable assets above the limit must be spent down before an applicant qualifies. Exempt assets — the primary home (in most circumstances), one vehicle, and certain personal property — are not counted.
Specific asset limits for Oklahoma's long-term care programs are on the seniors and long-term care page. The thresholds change, so verify current figures with Oklahoma Health Care Authority (SoonerCare) directly.