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Cost & Benefits

Benefits / New York

Medicaid eligibility in New York

Simple answer

Yes, many low-income adults can qualify.

In New York, 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. New York has adopted the ACA Medicaid expansion.

The largest 2-bedroom Fair Market Rent gap among ranked metros in New York is $1,555: New York at $2,971 and Rochester at $1,416.

New York taxes wages at rates up to 10.90%. Combined state and local sales tax is 8.5%. The ACS effective property tax rate is 1.45%.

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 New York
Household100%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 New York. 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 New York ($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 New York is not verified in the dataset.
  • New York 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

Other programs in New York

Large metros in New York

Medicaid and CHIP in other states