Indiana Medicaid Income Limits 2024

The Indiana Medicaid program is designed to provide medical benefits to low-income individuals without medical insurance or adequate medical insurance. In which the citizens of the state must meet certain income limits to avail the benefits of the Medicaid program. The specific eligibility requirements to receive Medicaid benefits, as well as the type and scope of services provided, are determined by each individual state. Thus, a person who is eligible for Medicaid in one state may not qualify in another state. Information related to Indiana Medicaid Income Limits 2024 and necessary eligibility has been given to you in the article below.

Indiana Medicaid Income Guidelines 2024

Access to healthcare is a fundamental right, and Medicaid plays a crucial role in ensuring that individuals and families with limited financial means can receive essential medical services. In Indiana, the Medicaid program is designed to support residents facing economic challenges, and understanding the income limits is key to accessing this vital healthcare resource.

Indiana Medicaid Income Limits 2024

To avail the benefits of Indiana Medicaid, the per member Income Limits 2024 determined by the concerned department in the state are given in the table below.

To avail the benefits of Indiana Medicaid, the income limits for up to eight members set by the concerned department in the state are given in the above table. But for households with more than eight people, add $5,958 per additional person. Always check with the appropriate administering agency to ensure the most accurate guidelines regarding Indiana Medicaid.

Who is eligible for Indiana Medicaid Program?

To be eligible for Indiana Medicaid, you must be a resident of the state of Indiana, a U.S. citizen, citizen, permanent resident or legal alien who needs health care/insurance assistance, whose financial status is low income or very low income . Most non-disabled adults will be covered under the Healthy Indiana Plan (HIP).

• Individuals with disabilities or living in a Medicaid-certified institution may have higher income limits and are subject to asset limits.
• Some categories require payment of monthly premium or contribution based on family size and income.
• The Healthy Indiana Plan will apply a 5% discount to the annual federal poverty threshold on family income.

Indiana Medicaid Income Limits 2024

As of 2024, the Indiana Medicaid program has established income limits based on household size. These limits determine eligibility for individuals and families seeking healthcare coverage through Medicaid. The income thresholds are as follows:

• Household Size: 1 - Maximum Income Level (Per Year): $16,971
• Household Size: 2 - Maximum Income Level (Per Year): $22,930
• Household Size: 3 - Maximum Income Level (Per Year): $28,888
• Household Size: 4 - Maximum Income Level (Per Year): $34,846
• Household Size: 5 - Maximum Income Level (Per Year): $40,805
• Household Size: 6 - Maximum Income Level (Per Year): $46,763
• Household Size: 7 - Maximum Income Level (Per Year): $52,722
• Household Size: 8 - Maximum Income Level (Per Year): $58,680

Understanding Indiana Medicaid Monthly Income Limits 

To better comprehend the eligibility criteria, it's important to convert the annual income limits into monthly equivalents. This allows individuals to assess their financial situation accurately and determine whether they fall within the stipulated guidelines. The monthly income limits can be calculated by dividing the annual figures by 12.

For example:

• Household Size: 1 - Monthly Income Limit: $16,971 / 12 = $1,414.25
• Household Size: 4 - Monthly Income Limit: $34,846 / 12 = $2,903.83

Indiana Medicaid Income Limits For Pregnant Woman

Pregnant individuals typically fall into the Hoosier Health wise program. Please review all eligibility criteria below.

Eligibility factors

• Pregnancy
• Income
• Family size

Income / family size

Additional details - Family size is based on the tax household, including the unborn child(ren). If you do not file taxes, the household includes the pregnant individual, their child(ren) (biological, adopted, and step), their unborn child(ren), and their spouse, if married. These income standards are effective March 1, 2023.

You can receive immediate medical attention by applying for Presumptive Eligibility for Pregnant Women while you wait for your Medicaid application to be completed.

Indiana Medicaid Income Limits For Children

Children who are not disabled and not living in an institution will be served through Hoosier Healthwise. If your child is disabled or living in an institution, please refer to the aged, blind, and disabled section.

Eligibility factors

• Age - These programs serve children through the age of 18.
• Current health insurance coverage - Having private insurance may affect eligibility.
• Income - See limits below.

Income / family size

Additional details - Family size is based on the tax household. If you do not file taxes, the household includes the child(ren), the child(ren)'s parent(s) (biological, adopted, and step), and the child(ren)'s sibling(s) (biological, adopted, and step). These income standards are effective March 1, 2023.

Based on income, you may have a monthly premium. You can learn more about the premiums by visiting the Hoosier Healthwise and M.E.D. Works premium payments webpage.

Indiana Medicaid Income Limits For Adults

Generally, adults who are not disabled or institutionalized will be served through the Healthy Indiana Plan. If you are disabled or living in an institution, please refer to the aged, blind, and disabled section.

Eligibility factors

• Age - Individuals must be age 19 or older.
• Current health insurance coverage - Having private insurance may affect eligibility.
• Income - See limits below.

Income / family size

Additional details - Family size is based on the tax household. If you do not file taxes, the household includes the child(ren), the child(ren)'s parent(s) (biological, adopted, and step), and the child(ren)'s sibling(s) (biological, adopted, and step). These income standards are effective March 1, 2023.

If eligible for HIP, you will be required to make a monthly contribution of 2% of your family income to receive HIP Plus benefits. To learn more about HIP Plus and HIP Basic, visit the Healthy Indiana Plan webpage.

Indiana Medicaid Income limits For Aged, Blind, Or Disabled

Individuals who are aged, blind, or disabled, including those who are institutionalized, will be served through one of the following programs:

• Traditional Medicaid
• Hoosier Care Connect

Eligibility factors

• Age - Most programs serve individuals of all ages.
• Disability status -  If disabled, your disability must meet the definition of the Social Security Administration.
• Income and assets - See limits below.

Income / family size

Additional details - Family size is based on the tax household. If you do not file taxes, the household includes the child(ren), the child(ren)'s parent(s) (biological, adopted, and step), and the child(ren)'s sibling(s) (biological, adopted, and step). These income standards are effective March 1, 2023.

Disabled individuals who are institutionalized or eligible for Home and Community-Based Waiver services may qualify with monthly income of up to $2,742. This income standard is based on the individual only; income of the spouse and other household members is not counted. Depending on their countable income, these individuals may be responsible for paying a monthly patient or waiver liability.

Working disabled individuals may be eligible for M.E.D. Works with slightly higher income and will be required to pay a monthly premium. Institutionalized, disabled individuals may be eligible with slightly higher incomes and be required to pay a monthly patient liability.

Asset test

• Maximum of $2,000 (single) or $3,000 (married) in assets.
• What is counted as an asset? This includes items such as a bank account balance, cash on hand, stocks and bonds, and property (other than your family home).
• What does not count as an asset? One vehicle, a home (if it is where you live), and burial spaces.

Home And Community Based Services

Home- and Community-Based Services allow individuals with special medical or developmental needs to live in the least restrictive setting while receiving the medical care and supports they need.

Specialized Programs

If you do not qualify for any of the above Indiana Medicaid programs, you may qualify for one of the following specialized programs:

• Family planning eligibility program
• Emergency services only
• End-stage renal disease

Indiana Medicaid Eligibility Income Chart

The income limits for the Indiana Medicaid program in 2024 are based on the size of the household. These limits are designed to reflect the financial realities of individuals and families, ensuring that those who need assistance the most can access healthcare services. Here is a breakdown of the maximum annual income allowed for different household sizes:

• 1 person: $16,971
• 2 persons: $22,930
• 3 persons: $28,888
• 4 persons: $34,846
• 5 persons: $40,805
• 6 persons: $46,763
• 7 persons: $52,722
• 8 persons: $58,680

FAQ's- Indiana Medicaid Income Limits 2024

Q: How do the income limits for Indiana Medicaid change with household size?

Ans: The income limits for Indiana Medicaid increase as the household size grows. Larger households are allowed higher annual incomes and still qualify for Medicaid. For example, a household with one member can have an annual income of up to $16,971 to qualify, while a household with eight members can have an annual income of up to $58,680.

Q: Can you provide an example of how these income limits work?

Ans: Certainly! Let's say you have a family of three members (two adults and one child). To be eligible for Indiana Medicaid in 2023, your household’s total annual income should not exceed $28,888. If your household’s annual income is below this limit, you may qualify for Medicaid coverage.

Q: What happens if a household’s income exceeds the specified limit for their size?

Ans: If a household's income exceeds the specified income limit for their size, they may not be eligible for traditional Medicaid coverage. However, they may still explore other healthcare options, such as the Health Insurance Marketplace or state-specific healthcare programs. It’s important to check for alternative options if you do not meet the income criteria for Medicaid.

Q: Are these income limits the same across all of Indiana, or do they vary by region?

Ans: These income limits are typically uniform across the state of Indiana. However, it’s essential to check with your local Division of Family Resources (DFR) office for any potential regional variations or updates, as Medicaid policies can sometimes have local nuances.

Q: Are there any additional factors besides income and household size that can affect Medicaid eligibility?

Ans: Yes, besides income and household size, other factors can affect Medicaid eligibility in Indiana. These may include citizenship or legal status, age, disability status, and certain medical conditions. Eligibility criteria can vary based on specific Medicaid programs within the state, so it’s advisable to consult with a local DFR office for personalized guidance.

Q: How can individuals or families apply for Indiana Medicaid?

Ans: To apply for Indiana Medicaid, individuals or families can use the Indiana Family and Social Services Administration (FSSA) online portal or apply in person at their local Division of Family Resources (DFR) office. The application process typically involves providing information about income, household members, and other relevant details. It's important to have necessary documentation on hand when applying.

Q: Can you reiterate the importance of understanding these income limits for Indiana Medicaid in 2024?

Ans: Understanding the income limits for Indiana Medicaid in 2024 is crucial for individuals and families who require healthcare coverage. These limits determine eligibility, and being aware of them will help you navigate the application process and access the healthcare services you need. Whether you’re a single individual or part of a larger household, knowing the income thresholds is essential for ensuring you can lead a healthy life with access to affordable healthcare.