Oregon Medicaid income limits
Last verified: June 2026
Verify current limits with Oregon Health Plan (OHP)
OHP income limits update annually — verify current figures at ONE.Oregon.gov
OHP income limits by coverage group (2026 approximate)
Oregon uses MAGI (Modified Adjusted Gross Income) rules for OHP Plus and most other OHP programs. MAGI counts wages, self-employment income, unemployment, Social Security income, and most other taxable income. There is no asset test for OHP Plus, OHP Bridge, or the children's and pregnant coverage groups.
| Coverage group | FPL % | ~Monthly limit (1 person) | ~Monthly limit (family of 4) |
|---|---|---|---|
| Adults 19–64 — OHP Plus | 138% FPL | ~$1,732/mo | ~$3,588/mo |
| Pregnant people — OHP Plus | 185% FPL | ~$2,321/mo | ~$4,815/mo |
| Children 0–18 — OHP Plus / CHIP | Up to 300% FPL | ~$3,765/mo | ~$7,800/mo |
| Adults above 138% FPL — OHP Bridge | State-funded; varies | Contact OHA | Contact OHA |
| Seniors 65+ and people with disabilities | Non-MAGI rules | Separate rules | Varies |
Source: OHA Oregon Health Plan income rules, Oregon Administrative Rule 410-200-0315; 2026 HHS Federal Poverty Level guidelines. Dollar figures are approximations. Children's limit at 300% FPL reflects Oregon's CHIP-integrated coverage. Verify exact thresholds using the official OHP income chart (Form DE 5530) at sharedsystems.dhsoha.state.or.us or by calling 1-800-699-9075.
No asset test — and how MAGI income is counted
OHP Plus, OHP Bridge, and the coverage groups for children and pregnant people have no asset test. Savings, a car, or home equity do not affect eligibility. This is different from long-term care Medicaid, which uses separate non-MAGI rules that do include asset limits.
Oregon's MAGI calculation excludes certain income types. Child support received does not count. One-time tax refunds do not count. Some self-employment deductions reduce countable income. OHA does not count the income of household members who are not in your tax filing unit. If you are unsure whether a specific income source counts, apply anyway — OHA will make the determination.
OHP Bridge: coverage above 138% FPL
OHP Bridge is a state-funded program for adults who earn more than the standard 138% FPL threshold and do not qualify for federally funded Medicaid. Bridge provides benefits similar to OHP Plus. It is not funded by federal Medicaid dollars, which means Oregon bears the full cost of the program.
Bridge eligibility thresholds and benefits may differ from OHP Plus, and the program is subject to Oregon legislative funding decisions. Contact OHA at 1-800-699-9075 or apply through ONE.Oregon.gov to determine if you qualify for Bridge. Adults who earn above the Bridge limit may qualify for subsidized AMP marketplace coverage at healthcare.gov.
Seniors and long-term care: income rules differ
Oregonians applying for Medicaid based on age (65+) or disability status face more complex eligibility rules that include both income and asset tests. The MAGI thresholds in the table above do not apply to these groups. To understand eligibility for long-term care Medicaid, nursing facility coverage, or home and community-based waiver programs, contact the Aging and Disability Resource Connection (ADRC) at 1-855-673-2372. ADRC staff provide free counseling statewide.
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 Oregon's long-term care programs are on the seniors and long-term care page. The thresholds change, so verify current figures with Oregon Health Plan (OHP) directly.