What is the 2026 poverty guideline for a family of four in Montana?

$33,000. Alaska and Hawaii use higher guidelines. Montana uses the 48-state and D.C. table.

Is a $48,000 household eligible for Medicaid and CHIP in Montana?

Maybe — a state pathway is unverified or only part of the household fits. This household is at 145 percent of the 2026 poverty guideline for Montana ($33,000). 138 percent of that guideline is $45,540. This is an illustration for two adults and two children, not a determination.

Benefits / Montana

Medicaid eligibility in Montana

The 2026 poverty guideline for four people in Montana is $33,000. Montana has adopted Medicaid expansion. Many adults qualify near 138 percent of poverty, about $22,025 a year for one person. This site does not approve or deny benefits. A missing figure stays blank. We do not guess it.

Simple answer

Yes, many low-income adults can qualify.

In Montana, many adults qualify around 138% of the poverty line. For one adult, that is about $22,025 a year.

Who is inside Medicaid or CHIP on the rules we can verify? A household of four is measured against $33,000. Montana has adopted the ACA Medicaid expansion.

Montana has no metro in the top 100 population ranking, so this page stays on statewide rules.

Montana taxes wages at rates up to 5.65%. Combined state and local sales tax is 0.0%. The ACS effective property tax rate is 0.69%.

A household of four with $48,000 of income is about 145 percent of the $33,000 poverty guideline and is a maybe for Medicaid and CHIP. Maybe — a state pathway is unverified or only part of the household fits.

Limits behind the page

2026 poverty guideline in Montana
Household	100%	138%	185%
1	$15,960	$22,025	$29,526
2	$21,640	$29,863	$40,034
3	$27,320	$37,702	$50,542
4	$33,000	$45,540	$61,050

An illustrative household

Two adults, ages 34 and 32, filing jointly, plus children ages 8 and 3. Gross income $48,000 a year, about 145 percent of the poverty guideline in Montana. They rent. Nobody is marked disabled or pregnant.

Medicaid and CHIP

Maybe

Maybe — a state pathway is unverified or only part of the household fits

This household is at 145 percent of the 2026 poverty guideline for Montana ($33,000). 138 percent of that guideline is $45,540.
Children above 138 percent of poverty may still qualify for CHIP. The CHIP ceiling in Montana is not verified in the dataset.
Montana expanded Medicaid, and this income is over the 138 percent adult limit. Marketplace coverage is the next place to look.

See Medicaid and CHIP on HealthCare.gov

Check my household · Privacy

Medicaid work rules in Montana

Food stamps (SNAP) tools in Montana

Last checked: October 15, 2026

Sources

What changed

October 15, 2026. The benefit rules file was checked against the sources listed here.
January 15, 2026. HHS published the 2026 poverty guidelines in the Federal Register.