Texas Medicaid and Medical Savings Program 2026 Income limits


 
In Texas, the 2026 monthly income limits for the Medicare Savings Programs (MSP) range from $1,330 (Individual) for Qualified Medicare Beneficiaries (QMB) up to $2,660 for QDWI. For Medicaid for the Elderly and Persons with Disabilities (MEPD) and long-term care, the individual income cap is $2,982 per month.

The specific monthly income and asset limits for Texas Medicaid and Medical Savings Programs are outlined below.

Medicare Savings Programs (MSP)

These programs help cover Medicare premiums, deductibles, and co-pays.

  • Qualified Medicare Beneficiary (QMB) Program: Covers premiums, deductibles, and co-pays.
    • Individual: $1,330 per month | Asset Limit: $9,950
    • Couple: $1,804 per month | Asset Limit: $14,910

  • Specified Low-Income Medicare Beneficiary (SLMB) Program: Covers Part B premiums only.
    • Individual: $1,596 per month | Asset Limit: $9,950
    • Couple: $2,164 per month | Asset Limit: $14,910

  • Qualifying Individuals (QI-1) Program: Covers Part B premiums only.
    • Individual: $1,796 per month | Asset Limit: $9,950
    • Couple: $2,435 per month | Asset Limit: $14,910
Medicaid for the Elderly and People with Disabilities (MEPD)
These programs provide traditional Medicaid coverage and long-term care (nursing homes, at-home care, or assisted living).


  • Institutional & Waiver Programs (e.g., STAR+PLUS, CAS, PACE):
    • Individual: $2,982 per month
    • Couple: $5,964 per month (applied when both spouses apply for care)
  • Asset Limits for MEPD:
    • Individual: $2,000
    • Couple: $3,000
Working Individuals with Disabilities

  • Medicaid Buy-In (MBI): For adults with disabilities who are working.
    • Individual: $3,325 per month (250% of Federal Poverty Level)
  • Medicaid Buy-In for Children (MBIC):
    • Family of 1: $1,995 per month (150% of Federal Poverty Level)
    • Family of 2: $2,705 per month
    • Family of 4: $4,125 per month

Actionable Next Steps

  • Calculate your eligibility: Use the official Texas Health and Human Services portal to review specific program rules and application processes.
  • Manage Long-Term Care: If your income exceeds the $2,982 cap for long-term care, you may still become eligible by
Featured Content