Massachusetts Medicaid Income Limits 2024

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Massachusetts Medicaid (MassHealth) pays for health care for certain low and medium income people living in Massachusetts. MassHealth offers health-care benefits directly or by paying part or all of your health-insurance premiums. MassHealth offers different types of coverage based on your age, whether you are a parent, pregnant, disabled, HIV positive or have breast or cervical cancer, and whether you work for a small employer. MassHealth will decide if you are eligible and give you the most complete coverage that you qualify for.See less

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Massachusetts Medicaid Income Limits 2023

Program financial guidelines for certain MassHealth applicants and members

MassHealth eligibility is determined using factors, such as income, assets, residency, and household composition. The full list of factors can be found in the MassHealth Member Regulations. The following figures are used to determine eligibility for certain MassHealth applicants and members aged 65 and older or those of any age who are in or are entering a long-term-care facility and their spouses who reside in the community.

Who is eligible for Massachusetts MassHealth (Medicaid)?

To be eligible for Massachusetts Medicaid, you must be a resident of the state of Massachusetts, a U.S. national, citizen, permanent resident, or legal alien, in need of health care/insurance assistance, whose financial situation would be characterized as low income or very low income. There is no income limit for individuals with disabilities who may have to pay a premium and a one-time deductible to qualify.

Massachusetts Medicaid Income Limits 2023 For Seniors

Household Size* Maximum Income Level (Per Year)
1 $19,392
2 $26,228
3 $33,064
4 $39,900
5 $46,737
6 $53,573
7 $60,409
8 $67,245

*For households with more than eight people, add $6,836 per additional person. Always check with the appropriate managing agency to ensure the most accurate guidelines.

Eligibility Figures for Residents of a Long-Term-Care Facility

The figures in this table are used in determining eligibility for a MassHealth member who lives in a long-term-care facility. 

All figures are effective January 1, unless otherwise noted. 

Figure Type 2023 2022 2021 2020
Personal needs allowance (PNA)/ LTC income standard $72.80 $72.80 $72.80 $72.80
Maximum home equity limits $1,033,000 $955,000 $906,000 $893,000
Community spouse minimum resource (assets) standard $29,724 $27,480 $26,076 $25,728
Community spouse maximum resource (assets) standard $148,620 $137,400 $130,380 $128,640
Average daily cost of nursing facility services $427.00
(eff. 11/01/22)


$410.00
(before 11/01/22)
$427.00
(eff. 11/01/22)

$410.00
(before 11/01/22)
$410.00
(eff. 12/01/21)

$391.00
(before 12/01/21)
$391.00
(eff. 11/01/20)

$367.21
(before 11/01/20)

Massachusetts Snap Income Limits 2023

Massachusetts medicaid Income Limits 2023 over 65

The figures in this table are used in determining eligibility for a MassHealth member age 65 or older who lives in the community. All figures are effective January 1, unless otherwise noted. 

Figure Type 2023 2022 2021 2020
Asset limit        
Individual $2,000 $2,000 $2,000 $2,000
Couple $3,000 $3,000 $3,000 $3,000
Buy-in asset limit        
Individual $18,180 $16,800 $15,940 $15,720
Couple $27,260 $25,200 $23,920 $23,600
Federal benefit rate (300%) $2,742 $2,523 $2,382 $2,349
Medicare Part B premium (per month) $164.90 $170.10 $148.50 $144.60

Figures Used to Determine Minimum-Monthly-Maintenance-Needs Allowance (MMMNA)

The figures in this table are used to determine the minimum-monthly-maintenance-needs allowance (MMMNA) for the community spouse of a MassHealth member who lives in a long-term-care facility.  

Figure Type 2023 2022 2021 2020
Maximum MMMNA $3,715.50
(eff. 01/01/23)
$3,435.00
(eff. 01/01/22)
$3,259.50
(eff. 01/01/21)
$3,216.00
(eff. 01/01/20)
Minimum MMMNA $2,465.00
(eff. 07/01/23)

$2,288.75
(before 07/01/23)
$2,288.75
(eff. 07/01/22)

$2,177.50
(before 07/01/22)
$2,177.50
(eff. 07/01/21)

$2,155.00
(before 07/01/21)
$2,155.00
(eff. 07/01/20)

$2,113.75
(before 07/01/20)
Standard shelter expense $739.50
(eff. 07/01/23)

$686.63
(before 07/01/23)
$686.63
(eff. 07/01/22)

$653.25
(before 07/01/22)
$653.25
(eff. 07/01/21)

$646.50
(before 07/01/21)
$646.50
(eff. 07/01/20)

$634.13
(before 07/01/20)
SNAP utility expense
Heat expense
$860.00
(eff. 10/01/22)

$688.00
(before 10/01/22)
$860.00
(eff. 10/01/22)

$688.00
(before 10/01/22)
$688.00
(eff. 10/01/21)

$646.00
(before 10/01/21)
$646.00
(eff. 10/01/19)

$643.00
(before 10/01/19)
SNAP utility expense
No heat expense
$525.00
(eff. 10/01/22)

$421.00
(before 10/01/22)
$525.00
(eff. 10/01/22)

$421.00
(before 10/01/22)
$421.00
(eff. 10/01/21)

$396.00
(before 10/01/21)
$396.00
(eff. 10/01/19)

$396.00
(before 10/01/19)
Figure Type 2023 2022 2021 2020

Massachusetts Supplemental Security Income (SSI) Payment Standards Effective January 1, 2023

Living Arrangement Category

Population Type A
Full Cost of Living Expenses
B
Shared Living Expenses
C
Household of Another
E
Licensed Rest Home
G
Assisted Living
Individual          
Aged $969.82 $880.26 $665.03 $1,134.00 $1,295.00
Disabled $955.39 $871.40 $648.25 $1,134.00 $1,295.00
Blind $990.74 $990.74 $990.74 $1,134.00 $1,295.00
Population Type A
Full Cost of Living Expenses
B
Shared Living Expenses
C
Household of Another
E
Licensed Rest Home
G
Assisted Living
Population Type A
Full Cost of Living Expenses
B
Shared Living Expenses
C
Household of Another
E
Licensed Rest Home
G
Assisted Living
Member of a Couple          
Aged $731.36 $731.36 $528.24 $1,134.00 $971.00
Disabled $720.53 $720.53 $517.43 $1,134.00 $971.00
Blind $990.74 $990.74 $990.74 $1,134.00 $971.00
Population Type A
Full Cost of Living Expenses
B
Shared Living Expenses
C
Household of Another
E
Licensed Rest Home
G
Assisted Living

Note: The 2023 SSI federal benefit rate (FBR) for an individual is $914.00.

Note: The personal needs allowance in licensed rest homes, nursing facilities, and chronic-disease hospitals is $72.80.

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Massachusetts Medicaid Eligibility

Access to affordable healthcare is a fundamental right that every citizen should enjoy. In Massachusetts, the Medicaid program plays a vital role in making healthcare services accessible to low-income individuals and families. As we delve into the Medicaid income limits for 2023, it becomes evident that the state is committed to ensuring that healthcare remains within reach for those who need it most.

Understanding Massachusetts Medicaid Eligibility

Medicaid is a jointly funded federal and state program that provides comprehensive health coverage to eligible low-income individuals and families. Each state administers its Medicaid program, and the income limits can vary from one state to another. Massachusetts, known for its progressive stance on healthcare, offers a robust Medicaid program aimed at serving its residents.

Massachusetts Medicaid Income Limits for 2023 Eligibility

For the year 2023, the Massachusetts Medicaid program has set income limits based on household size. These limits determine who qualifies for Medicaid coverage in the state. The income limits are as follows:

  • Household Size: 1 – Maximum Income: $19,392 per year
  • Household Size: 2 – Maximum Income: $26,228 per year
  • Household Size: 3 – Maximum Income: $33,064 per year
  • Household Size: 4 – Maximum Income: $39,900 per year
  • Household Size: 5 – Maximum Income: $46,737 per year
  • Household Size: 6 – Maximum Income: $53,573 per year
  • Household Size: 7 – Maximum Income: $60,409 per year
  • Household Size: 8 – Maximum Income: $67,245 per year

These income limits are critical in ensuring that those who are economically disadvantaged can access the healthcare services they need without facing financial hardship. By adjusting the income limits annually, Massachusetts aims to keep pace with the changing economic landscape and ensure that as many residents as possible can benefit from Medicaid.

Benefits of Massachusetts Medicaid

  • Comprehensive Coverage: Medicaid provides a wide range of healthcare services, including doctor’s visits, hospital care, prescription drugs, preventive care, and more. This comprehensive coverage helps individuals and families address their healthcare needs effectively.
  • Financial Security: By offering healthcare coverage to low-income individuals and families, Medicaid helps protect them from the crippling financial burden that can result from medical bills. This, in turn, promotes financial stability and reduces the risk of medical debt.
  • Improved Health Outcomes: Access to healthcare services through Medicaid can lead to better health outcomes and early intervention for health issues. This not only benefits individuals but also contributes to the overall well-being of the community.
  • Preventive Care: Medicaid emphasizes preventive care, which can help detect and address health issues before they become more severe and costly to treat. This approach not only saves money but also improves the quality of life for beneficiaries.

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FAQ’s-income limits for Massachusetts Medicaid in 2023

Q1: What are the income limits for Massachusetts Medicaid in 2023 for a household with one member?

A1: The maximum income allowed for a household with one member to qualify for Massachusetts Medicaid in 2023 is $19,392 per year.

Q2: What is the income threshold for a family of four to be eligible for Medicaid in Massachusetts in 2023?

A2: A family of four must have an annual income at or below $39,900 in 2023 to be eligible for Medicaid in Massachusetts.

Q3: How do the income limits for Massachusetts Medicaid vary based on household size?

A3: The income limits for Massachusetts Medicaid in 2023 vary based on household size. For example, a larger household with more members will have a higher income limit compared to a smaller household.

Q4: Can you provide the maximum income limit for a family of five to qualify for Medicaid in Massachusetts in 2023?

A4: The maximum income limit for a family of five to qualify for Medicaid in Massachusetts in 2023 is $46,737 per year.

Q5: Are these income limits subject to change, and if so, how often are they updated?

A5: Yes, these income limits are subject to change. They are typically updated annually to account for changes in the cost of living and economic conditions.

Q6: What types of healthcare services are covered under Massachusetts Medicaid for eligible individuals and families?

A6: Massachusetts Medicaid provides comprehensive healthcare coverage, including doctor’s visits, hospital care, prescription drugs, preventive care, mental health services, and more, to eligible individuals and families.

Q7: How do the income limits for Medicaid in Massachusetts contribute to financial security for low-income residents?

A7: The income limits for Medicaid in Massachusetts ensure that low-income individuals and families have access to healthcare coverage without facing significant financial hardship, helping protect them from the financial burden of medical bills.

Q8: Why is preventive care emphasized within the Massachusetts Medicaid program?

A8: Preventive care is emphasized in the Massachusetts Medicaid program because it helps detect and address health issues before they become more severe and costly to treat, leading to better health outcomes and cost savings in the long run.

Q9: What is the significance of Medicaid in promoting the overall well-being of Massachusetts residents?

A9: Medicaid plays a vital role in promoting the overall well-being of Massachusetts residents by providing them with access to necessary healthcare services, reducing the risk of medical debt, and contributing to better health outcomes and financial stability.

Q10: How does Massachusetts ensure that its Medicaid program remains equitable and accessible to those who need it most?

A10: Massachusetts ensures the equity and accessibility of its Medicaid program by annually adjusting income limits to reflect changing economic conditions, thereby ensuring that healthcare remains within reach for those who need it most and maintaining a commitment to providing healthcare for all residents.

Conclusion: masshealth income guidelines for over 65

Massachusetts is committed to ensuring that its residents have access to quality healthcare regardless of their economic status. The Medicaid program’s income limits for 2023 reflect this commitment by providing a safety net for low-income individuals and families. By adjusting these limits annually, the state aims to keep healthcare accessible and affordable for those who need it most. Medicaid plays a vital role in promoting the health and well-being of Massachusetts residents, embodying the state’s commitment to equitable healthcare for all.

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