2026 Government Benefits Eligibility Chart: All Programs
Last updated: January 2026 | Source: HHS, USDA, SSA, CMS, ACF
This is the complete guide to every major government benefit program in the United States for 2026. For each program, you will find who qualifies, income limits in actual dollar amounts, what benefits you receive, asset limits, time limits, and how to apply. The state-by-state table at the bottom shows how eligibility varies across all 50 states and DC.
Find out what you're actually owed.
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Get My Benefits PlanQuick Reference: All Programs at a Glance
| Program | Who Qualifies | Income Limit (individual) | Income Limit (family of 4) | What You Get | Asset Limit | Time Limit |
|---|---|---|---|---|---|---|
| SNAP (Food Stamps) | US citizens and certain legal immigrants. | $20,748 | $42,900 | Monthly funds loaded onto an EBT card to buy groceries at authorized retailers. | Federal: $3,000 ($4,750 if elderly/disabled). | No time limit for most recipients. |
| Medicaid | Low-income adults (in expansion states), pregnant women, children, elderly, and people with disabilities. | $22,025 | $45,540 | Free or low-cost health insurance covering doctor visits, hospital stays, prescriptions, mental health, maternity care, and more. | No asset test for most Medicaid categories since ACA expansion. | No time limit. |
| WIC | Pregnant women, new mothers (up to 12 months postpartum), breastfeeding women (up to child's 1st birthday), infants (0-1), and children (ages 1-4). | $29,526 | $61,050 | Monthly food packages (milk, eggs, cereal, fruits, vegetables, infant formula, whole grains) loaded onto an EBT card, plus nutrition counseling and breastfeeding support. | No asset test. | Pregnant women: through pregnancy + 6 weeks. |
| SSI | Must be 65+, blind, or have a qualifying disability. | $994/month (federal benefit rate) | $1,491/month (eligible couple) | Monthly cash payments to people who are aged (65+), blind, or disabled and have very limited income and resources. | $2,000 individual, $3,000 couple. | No time limit. |
| TANF | Families with children under 18 (or 19 if in school). | Varies by state | Varies by state | Monthly cash assistance to help low-income families with children pay for basic needs like rent, utilities, and clothing. | Most states: $2,000-$5,000. | Federal: 60-month (5-year) lifetime limit. |
| LIHEAP | Low-income households. | $23,940 in states at 150% FPL | $49,500 in states at 150% FPL | Helps pay heating and cooling bills, covers energy crisis situations (shutoff notices, broken equipment), and funds weatherization to improve home energy efficiency. | Most states have no asset test for LIHEAP. | Seasonal. |
| ACA Marketplace Subsidies | US citizens and legal residents with household income 100-400% FPL who are not eligible for other qualifying coverage (employer insurance, Medicare, Medicaid). | $15,650 to $62,600 | $32,150 to $128,600 | Tax credits that reduce monthly health insurance premiums, plus cost-sharing reductions that lower deductibles and copays for marketplace plans. | No asset test. | No time limit. |
| Free/Reduced School Meals | Children in K-12 at participating schools. | Free: $20,748, Reduced: $29,526 | Free: $42,900, Reduced: $61,050 | Free or reduced-price breakfast and lunch for students at participating schools. | No asset test. | Available throughout the school year. |
Income limits based on 2026 Federal Poverty Level. Dollar amounts shown for 48 contiguous states; Alaska and Hawaii limits are higher.
Source: HHS, USDA, SSA, CMS
Detailed Program Breakdown
SNAP (Food Stamps)
Supplemental Nutrition Assistance Program | USDA Food and Nutrition Service
What it is
Monthly funds loaded onto an EBT card to buy groceries at authorized retailers.
Who qualifies
US citizens and certain legal immigrants. Must meet income and (in some states) asset limits. Adults 18 to 64 with no child under 14 at home can usually get SNAP for only 3 months in 3 years unless they work or train 20 hours a week, get unemployment benefits, or qualify for another exemption.
Income limit
130% FPL gross income, 100% FPL net income. Many states use BBCE to raise the gross limit as high as 200%, and a household that qualifies through BBCE does not have to pass the net income test, although its benefit is still computed from net income.
Individual: $20,748 | Family of 4: $42,900
What you get
Max monthly benefit: $306 (1 person), $1,023 (family of 4). Average benefit: about $189 per person per month (federal fiscal year 2025).
Asset limit
Federal: $3,000 ($4,750 if elderly/disabled). Most BBCE states have eliminated the asset test.
Time limit
No time limit for most recipients. Adults 18 to 64 with no child under 14 at home are usually limited to 3 months in 3 years unless they work or train 20 hours a week or are exempt.
How to apply
Apply online through your state SNAP office, in person, or by mail. Interview required (phone or in-person).
State variation
Income limits, BBCE status, and local program names vary by state. CalFresh (CA), SNAP (most states).
Medicaid
Medicaid (state health insurance) | Centers for Medicare and Medicaid Services (CMS)
What it is
Free or low-cost health insurance covering doctor visits, hospital stays, prescriptions, mental health, maternity care, and more.
Who qualifies
Low-income adults (in expansion states), pregnant women, children, elderly, and people with disabilities. Since October 1, 2026, full Medicaid is limited to US citizens, green card holders, Cuban and Haitian entrants, and citizens of Micronesia, the Marshall Islands and Palau. Most green card holders must have had their card for 5 years, unless they came as a refugee or asylee, and some states still cover lawfully residing children and pregnant women. Emergency Medicaid still pays for emergency care for people who would otherwise qualify. 40 states + DC have expanded Medicaid to all adults under 138% FPL.
Income limit
138% FPL for adults in expansion states. Children qualify at higher levels (often 200%+ FPL). Non-expansion states only cover specific categories.
Individual: $22,025 | Family of 4: $45,540
What you get
Comprehensive health insurance with little to no premiums or copays. Covers: primary care, emergency, hospital, prescriptions, mental health, maternity, dental (varies by state), vision (varies).
Asset limit
No asset test for most Medicaid categories since ACA expansion. Elderly/disabled categories may have asset limits ($2,000 individual).
Time limit
No time limit. Coverage continues as long as you meet eligibility requirements. Renewal every 12 months for most people. Starting in 2027, adults covered through Medicaid expansion renew every 6 months and may need to show 80 hours a month of work, school, job training or volunteering to get and keep coverage. Nebraska and Montana already require it, Iowa does for adults who apply on or after December 1, 2026, and other states may start as early as January 2027. Parents of a child 13 or younger, pregnant women, and people with a serious illness or disability can be exempt.
How to apply
Apply through your state Medicaid agency, HealthCare.gov, or in person. Many states have online applications.
State variation
Adult income limits range from 0% (non-expansion) to 138% FPL. Children limits range from 150% to 400% FPL depending on the state.
WIC
Special Supplemental Nutrition Program for Women, Infants, and Children | USDA Food and Nutrition Service
What it is
Monthly food packages (milk, eggs, cereal, fruits, vegetables, infant formula, whole grains) loaded onto an EBT card, plus nutrition counseling and breastfeeding support.
Who qualifies
Pregnant women, new mothers (up to 12 months postpartum), breastfeeding women (up to child's 1st birthday), infants (0-1), and children (ages 1-4). Must have nutritional risk assessed by health professional.
Income limit
185% FPL. Automatically eligible if receiving SNAP, Medicaid, or TANF.
Individual: $29,526 | Family of 4: $61,050
What you get
About $35-75 per month in food benefits depending on category. Breastfeeding mothers receive the largest food package. Infant formula provided at no cost.
Asset limit
No asset test.
Time limit
Pregnant women: through pregnancy + 6 weeks. Postpartum: up to 12 months. Breastfeeding: up to child's 1st birthday. Children: ages 1-4.
How to apply
Contact your local WIC clinic. Requires an in-person appointment for nutritional risk assessment.
State variation
Income limit (185% FPL) is the same nationwide. Food packages and local clinic availability vary by state.
SSI
Supplemental Security Income | Social Security Administration (SSA)
What it is
Monthly cash payments to people who are aged (65+), blind, or disabled and have very limited income and resources.
Who qualifies
Must be 65+, blind, or have a qualifying disability. Must be a U.S. citizen or qualifying immigrant. Very strict income and asset limits.
Income limit
Countable income must be below the federal benefit rate. Earned income has exclusions ($65 + half of remainder).
Individual: $994/month (federal benefit rate) | Family of 4: $1,491/month (eligible couple)
What you get
$994/month for individuals, $1,491/month for couples (2026 federal rate). Some states add their own payment for people 65 or older living in their own home, for example Alaska $362, California $239.94, and New York $87 a month.
Asset limit
$2,000 individual, $3,000 couple. Excludes your home, one vehicle, household goods, and burial funds up to $1,500.
Time limit
No time limit. Benefits continue as long as you remain eligible (disabled/aged and meet income/asset requirements). Reviews every 1-7 years.
How to apply
At 65 or older, call Social Security at 1-800-772-1213 for an appointment; there is no online application at that age. With a disability, apply online at ssa.gov/apply/ssi or by phone. Medical documentation is required for disability claims.
State variation
Federal rate is the same nationwide. For a senior living in their own home, 17 states add a payment of $10 to $362 a month, and Connecticut, Illinois, Nebraska, and New Hampshire figure one case by case based on need. Rates differ in care homes and for people under 65 with a disability.
TANF
Temporary Assistance for Needy Families | HHS Administration for Children and Families
What it is
Monthly cash assistance to help low-income families with children pay for basic needs like rent, utilities, and clothing.
Who qualifies
Families with children under 18 (or 19 if in school). Must be very low income. Most states require work participation or job training. Must be a U.S. citizen or qualifying immigrant.
Income limit
Varies widely by state. Generally well below 100% FPL. Some states set limits at 50% FPL or lower.
Individual: Varies by state | Family of 4: Varies by state
What you get
Varies enormously by state. Among the 21 states we have checked at the state's own source, the most a family of 3 with no other income can get runs from $260 a month (MS) to $1,366 (NH), for example CA $1,196, IL $797, and TX $388.
Asset limit
Most states: $2,000-$5,000. Some states have eliminated asset tests. A few states count vehicles.
Time limit
Federal: 60-month (5-year) lifetime limit. Some states set shorter limits: AZ 12 months, ID/IN/AR 24 months, OH/UT 36 months.
How to apply
Apply through your state human services or social services office. Requires interview and documentation of income, assets, and household.
State variation
Benefit amounts, time limits, work requirements, and program names all vary significantly by state.
LIHEAP
Low Income Home Energy Assistance Program | HHS Administration for Children and Families
What it is
Helps pay heating and cooling bills, covers energy crisis situations (shutoff notices, broken equipment), and funds weatherization to improve home energy efficiency.
Who qualifies
Low-income households. Priority given to elderly (60+), disabled, and families with young children. Must be responsible for home energy costs.
Income limit
Each state uses either a percentage of the Federal Poverty Level (most often 150%) or 60% of State Median Income (SMI), which is usually higher. About half the states use SMI; the state table below shows each one.
Individual: $23,940 in states at 150% FPL | Family of 4: $49,500 in states at 150% FPL
What you get
Average heating assistance: $400-$800 per season. Crisis assistance: varies. Weatherization: up to $8,009 per home. Amounts depend on state funding and energy costs.
Asset limit
Most states have no asset test for LIHEAP. A few states have limits.
Time limit
Seasonal. Must reapply each heating/cooling season. No lifetime limit.
How to apply
Apply through your state or local LIHEAP agency. Many states open applications in October/November for heating season.
State variation
Income basis (FPL vs SMI), benefit amounts, and application periods all vary by state.
ACA Marketplace Subsidies
Affordable Care Act Premium Tax Credits and Cost-Sharing Reductions | Centers for Medicare and Medicaid Services (CMS)
What it is
Tax credits that reduce monthly health insurance premiums, plus cost-sharing reductions that lower deductibles and copays for marketplace plans.
Who qualifies
US citizens and legal residents with household income 100-400% FPL who are not eligible for other qualifying coverage (employer insurance, Medicare, Medicaid). Must purchase insurance through HealthCare.gov or state marketplace.
Income limit
100-400% FPL for premium tax credits on 2026 coverage, measured against the 2025 poverty guidelines. Enhanced cost-sharing reductions at 100-250% FPL.
Individual: $15,650 to $62,600 | Family of 4: $32,150 to $128,600
What you get
Premium tax credits: average $700+/month (varies by age, location, income). Cost-sharing reductions: lower deductibles and copays on Silver plans for those under 250% FPL.
Asset limit
No asset test.
Time limit
No time limit. Must re-enroll annually during Open Enrollment (Nov 1 - Jan 15). Life changes allow Special Enrollment.
How to apply
Apply at HealthCare.gov or your state marketplace during Open Enrollment or after a qualifying life event.
State variation
Some states run their own marketplaces (CA, NY, MA, etc.). Premium costs and plan options vary by state and county.
Free/Reduced School Meals
National School Lunch Program and School Breakfast Program | USDA Food and Nutrition Service
What it is
Free or reduced-price breakfast and lunch for students at participating schools.
Who qualifies
Children in K-12 at participating schools. Automatically eligible if household receives SNAP, TANF, or FDPIR. Foster children, homeless/migrant/runaway youth qualify automatically.
Income limit
Free meals: 130% FPL. Reduced-price meals: 185% FPL.
Individual: Free: $20,748, Reduced: $29,526 | Family of 4: Free: $42,900, Reduced: $61,050
What you get
Free: $0 for breakfast and lunch. Reduced-price: max $0.30 for breakfast, $0.40 for lunch. Some states and districts provide free meals to all students regardless of income.
Asset limit
No asset test.
Time limit
Available throughout the school year. Must reapply annually. Summer meal programs available separately.
How to apply
Complete a meal application through your child's school. Many districts now use direct certification (automatic enrollment from SNAP/TANF data).
State variation
Several states (CA, CO, ME, MA, MI, MN, NM, NY, VT) now offer universal free meals to all students regardless of income.
State-by-State Benefits Comparison
This table shows actual dollar amounts for key program thresholds in every state. Medicaid adult limits are for a single individual. SNAP and Medicaid children limits are for a family of four. LIHEAP limits vary by whether the state uses Federal Poverty Level (FPL) or State Median Income (SMI).
| State | Medicaid Adult (individual) | Medicaid Children (family of 4) | SNAP Gross (family of 4) | BBCE | LIHEAP (family of 4) | TANF Limit |
|---|---|---|---|---|---|---|
| Alaska | $27,531 (138%) | $85,800 (208%) | $82,500 (200%) | Yes | $61,875 (150% FPL) | 60 mo |
| Alabama | Not expanded | $104,610 (317%) | $42,900 (130%) | Yes | $49,500 (150% FPL) | 60 mo |
| Arkansas | $22,025 (138%) | $71,280 (216%) | $42,900 (130%) | Yes | $56,776 (60% SMI) | 24 mo |
| Arizona | $22,025 (138%) | $75,900 (230%) | $66,000 (200%) | Yes | $49,500 (150% FPL) | 12 mo |
| California | $22,025 (138%) | $87,780 (266%) | $66,000 (200%) | Yes | $79,813 (60% SMI) | 60 mo |
| Colorado | $22,025 (138%) | $87,450 (265%) | $66,000 (200%) | Yes | $87,106 (60% SMI) | 60 mo |
| Connecticut | $22,025 (138%) | $106,590 (323%) | $66,000 (200%) | Yes | $93,681 (60% SMI) | 60 mo |
| District of Columbia | $22,025 (138%) | $106,920 (324%) | $66,000 (200%) | Yes | $121,200 (60% SMI) | 60 mo |
| Delaware | $22,025 (138%) | $71,610 (217%) | $66,000 (200%) | Yes | $77,654 (60% SMI) | 60 mo |
| Florida | Not expanded | $70,950 (215%) | $66,000 (200%) | Yes | $64,873 (60% SMI) | 48 mo |
| Georgia | $15,960 (100%)* | $83,160 (252%) | $42,900 (130%) | Yes | $69,071 (60% SMI) | 48 mo |
| Hawaii | $25,337 (138%) | $118,784 (313%) | $75,900 (200%) | Yes | $83,078 (60% SMI) | 60 mo |
| Iowa | $22,025 (138%) | $101,310 (307%) | $52,800 (160%) | Yes | $49,500 (150% FPL) | 60 mo |
| Idaho | $22,025 (138%) | $62,700 (190%) | $42,900 (130%) | Yes | $65,443 (60% SMI) | 24 mo |
| Illinois | $22,025 (138%) | $104,940 (318%) | $54,450 (165%) | Yes | $79,406 (60% SMI) | 60 mo |
| Indiana | $22,025 (138%) | $84,150 (255%) | $42,900 (130%) | Yes | $66,607 (60% SMI) | 24 mo |
| Kansas | Not expanded | $84,150 (255%) | $42,900 (130%) | No | $49,500 (150% FPL) | 24 mo |
| Kentucky | $22,025 (138%) | $71,940 (218%) | $66,000 (200%) | Yes | $49,500 (150% FPL) | 60 mo |
| Louisiana | $22,025 (138%) | $84,150 (255%) | $66,000 (200%) | Yes | $49,500 (150% FPL) | 60 mo |
| Massachusetts | $22,025 (138%) | $100,650 (305%) | $66,000 (200%) | Yes | $103,049 (60% SMI) | 24 mo |
| Maryland | $22,025 (138%) | $106,260 (322%) | $66,000 (200%) | Yes | $66,000 (200% FPL) | 60 mo |
| Maine | $22,025 (138%) | $100,650 (305%) | $66,000 (200%) | Yes | $73,213 (60% SMI) | 60 mo |
| Michigan | $22,025 (138%) | $71,610 (217%) | $66,000 (200%) | Yes | $49,500 (150% FPL) | 60 mo |
| Minnesota | $22,025 (138%) | $92,400 (280%) | $66,000 (200%) | Yes | $88,763 (60% SMI) | 60 mo |
| Missouri | $22,025 (138%) | $100,650 (305%) | $42,900 (130%) | No | $67,882 (60% SMI) | 60 mo |
| Mississippi | Not expanded | $70,620 (214%) | $42,900 (130%) | No | $49,500 (150% FPL) | 60 mo |
| Montana | $22,025 (138%) | $87,780 (266%) | $66,000 (200%) | Yes | $49,500 (150% FPL) | 60 mo |
| North Carolina | $22,025 (138%) | $71,280 (216%) | $66,000 (200%) | Yes | $42,900 (130% FPL) | 24 mo |
| North Dakota | $22,025 (138%) | $67,650 (205%) | $66,000 (200%) | Yes | $79,532 (60% SMI) | 60 mo |
| Nebraska | $22,025 (138%) | $71,940 (218%) | $54,450 (165%) | Yes | $49,500 (150% FPL) | 60 mo |
| New Hampshire | $22,025 (138%) | $106,590 (323%) | $66,000 (200%) | Yes | $93,680 (60% SMI) | 60 mo |
| New Jersey | $22,025 (138%) | $117,150 (355%) | $61,050 (185%) | Yes | $98,602 (60% SMI) | 60 mo |
| New Mexico | $22,025 (138%) | $100,650 (305%) | $66,000 (200%) | Yes | $49,500 (150% FPL) | 60 mo |
| Nevada | $22,025 (138%) | $67,650 (205%) | $66,000 (200%) | Yes | $49,500 (150% FPL) | 60 mo |
| New York | $22,025 (138%) | $133,650 (405%) | $49,500 (150%) | Yes | $82,230 (60% SMI) | 60 mo |
| Ohio | $22,025 (138%) | $69,630 (211%) | $42,900 (130%) | Yes | $57,750 (175% FPL) | 36 mo |
| Oklahoma | $22,025 (138%) | $69,630 (211%) | $42,900 (130%) | Yes | $57,917 (60% SMI) | 60 mo |
| Oregon | $22,025 (138%) | $100,650 (305%) | $66,000 (200%) | Yes | $77,550 (60% SMI) | 60 mo |
| Pennsylvania | $22,025 (138%) | $105,270 (319%) | $66,000 (200%) | Yes | $49,500 (150% FPL) | 60 mo |
| Rhode Island | $22,025 (138%) | $87,780 (266%) | $61,050 (185%) | Yes | $83,482 (60% SMI) | 60 mo |
| South Carolina | Not expanded | $70,290 (213%) | $42,900 (130%) | Yes | $63,882 (60% SMI) | 60 mo |
| South Dakota | $22,025 (138%) | $68,970 (209%) | $42,900 (130%) | No | $66,000 (200% FPL) | 60 mo |
| Tennessee | Not expanded | $84,150 (255%) | $42,900 (130%) | No | $63,196 (60% SMI) | 60 mo |
| Texas | Not expanded | $67,980 (206%) | $54,450 (165%) | Yes | $49,500 (150% FPL) | 60 mo |
| Utah | $22,025 (138%) | $67,650 (205%) | $42,900 (130%) | No | $49,500 (150% FPL) | 36 mo |
| Virginia | $22,025 (138%) | $67,650 (205%) | $66,000 (200%) | Yes | $49,500 (150% FPL) | 60 mo |
| Vermont | $22,025 (138%) | $104,610 (317%) | $61,050 (185%) | Yes | $61,050 (185% FPL) | 60 mo |
| Washington | $22,025 (138%) | $104,610 (317%) | $66,000 (200%) | Yes | $49,500 (150% FPL) | 60 mo |
| Wisconsin | $15,960 (100%) | $100,980 (306%) | $66,000 (200%) | Yes | $76,661 (60% SMI) | 60 mo |
| West Virginia | $22,025 (138%) | $100,650 (305%) | $66,000 (200%) | Yes | $58,853 (60% SMI) | 60 mo |
| Wyoming | Not expanded | $67,650 (205%) | $42,900 (130%) | No | $68,959 (60% SMI) | 60 mo |
Dollar amounts computed from 2026 Federal Poverty Level and State Median Income guidelines. 'Not expanded' means the state has not adopted Medicaid expansion for adults. Wisconsin has not adopted it either, but BadgerCare Plus covers adults to 100% FPL. *Georgia Pathways covers adults 19 to 64 to 100% FPL who complete at least 80 hours a month of work, school, job training or volunteering. BBCE (Broad-Based Categorical Eligibility) allows states to raise SNAP income limits above 130% FPL.
Source: HHS, USDA, SSA, CMS, ACF
Find out what you're actually owed.
Answer 8 questions. We check more than 20 federal and state programs. You get a list of what you qualify for and what each program pays.
Get My Benefits PlanFrequently Asked Questions
What government benefits can I qualify for in 2026?
The main federal benefit programs are SNAP (food stamps), Medicaid (health insurance), WIC (nutrition for women and young children), SSI (cash for aged/blind/disabled), TANF (temporary cash for families), LIHEAP (energy bill help), ACA marketplace subsidies (health insurance tax credits), and free or reduced-price school meals. Eligibility depends on your income, household size, age, disability status, and state.
How do I check if I qualify for benefits?
You can compare your household income against the limits listed on this page, or use our free benefits screener to check all programs at once. The screener asks about your household size, income, state, and other factors, then shows which programs you likely qualify for.
Can I receive multiple benefits at the same time?
Yes. Many families receive SNAP, Medicaid, and WIC simultaneously. Receiving one benefit often makes you automatically eligible for others. For example, SNAP recipients are automatically income-eligible for WIC and free school meals.
Why do benefit amounts and limits vary by state?
Federal programs set minimum standards, but states have flexibility to expand coverage. States choose whether to expand Medicaid, can raise SNAP limits through BBCE, set their own TANF benefit amounts, and choose LIHEAP income thresholds. This means the same family could qualify for different programs depending on which state they live in.
What counts as income for benefits eligibility?
Most programs count gross income (before taxes): wages, salaries, Social Security, unemployment, child support, pensions, and self-employment income. Some programs use net income (after deductions for housing, childcare, medical expenses). SSI has its own income rules with specific exclusions for earned income.
Do immigrants qualify for government benefits?
It depends on immigration status and the program. U.S. citizens and many lawful permanent residents (green card holders) qualify for most programs, though most green card holders wait 5 years for Medicaid and many wait 5 years for SNAP. Since 2025, refugees and asylees without a green card no longer qualify for SNAP, and since October 1, 2026 they generally no longer qualify for full Medicaid, though some states still cover lawfully residing children and pregnant women. Undocumented immigrants generally do not qualify for federal benefits, but their U.S.-born children do. WIC and emergency Medicaid have broader immigrant eligibility.