Maine's Medicaid program, known as MaineCare, provides free or low-cost health coverage to hundreds of thousands of residents across the state. If you live in Maine and are wondering whether you or your family might qualify for health coverage in 2026, this guide breaks down everything you need to know, including income limits, eligibility categories, how to apply, and what services are covered. You can also check your eligibility in minutes using our free screening tool.
For a broader look at all assistance programs available in the state, visit our Maine Benefits Overview.
What Is MaineCare?
MaineCare is Maine's name for the Medicaid program. It is jointly funded by the federal government and the state, and it is administered by the Maine Department of Health and Human Services (DHHS). MaineCare covers doctor visits, hospital stays, prescription drugs, mental health services, and much more for eligible residents.
Maine expanded Medicaid under the Affordable Care Act (ACA) in 2019. This expansion opened coverage to adults ages 19 to 64 with incomes up to 138% of the Federal Poverty Level (FPL), including adults without children who previously had no pathway to coverage.
Who Qualifies for MaineCare in 2026?
Eligibility for MaineCare depends on several factors, including your age, income, household size, disability status, and whether you are pregnant. Maine covers the following groups:
- Adults ages 19 to 64 (through ACA Medicaid expansion)
- Children and young adults under 21
- Pregnant individuals
- Seniors age 65 and older
- Individuals with disabilities
- Former foster care youth up to age 26
- Working disabled adults under 65
You must also be a resident of Maine and either a U.S. citizen, a U.S. national, or a qualified non-citizen. Pregnant individuals may qualify regardless of immigration status.
MaineCare Income Limits for 2026
Income limits are based on the Federal Poverty Level (FPL), which is updated each January. The 2026 FPL increased by approximately 3% compared to 2025. Most MaineCare categories do not have an asset test, meaning your savings and property are generally not counted.
Adults Ages 19 to 64 (138% FPL)
| Household Size | Monthly Income Limit |
|---|---|
| 1 | $1,801 |
| 2 | $2,434 |
| 3 | $3,066 |
| 4 | $3,698 |
Children Under Age 21 (Up to 305% FPL)
Maine offers some of the most generous income limits for children in the country.
| Household Size | Monthly Income Limit |
|---|---|
| 1 | $3,979 |
| 2 | $5,377 |
| 3 | $6,775 |
| 4 | $8,172 |
Pregnant Individuals (214% FPL)
| Household Size | Monthly Income Limit |
|---|---|
| 1 | $2,792 |
| 2 | $3,773 |
| 3 | $4,754 |
| 4 | $5,734 |
Note: The unborn child counts as a household member, which raises the effective income limit. Postpartum coverage continues for up to 12 months after giving birth.
Seniors and Long-Term Care
For nursing home or long-term care Medicaid, income and asset limits both apply:
| Category | Monthly Income Limit | Asset Limit |
|---|---|---|
| Single nursing home applicant | $2,982 | $10,000 |
| Married (both applying) | $2,982 per spouse | $15,000 combined |
| HCBS waiver applicant | $2,982 | $10,000 |
The community spouse (non-applicant) may retain up to approximately $162,660 in assets under the Community Spouse Resource Allowance.
Medically Needy / Spend-Down Program
If your income is slightly too high for regular MaineCare, you may still qualify through the Spend-Down program. Once your medical expenses bring your countable income below the threshold, MaineCare coverage begins.
| Household Size | Monthly Income Limit | Asset Limit |
|---|---|---|
| Individual | $315 | $2,000 |
| Couple | $341 | $3,000 |
What Does MaineCare Cover?
MaineCare provides comprehensive health coverage, including:
- Primary care and specialist visits
- Hospital inpatient and outpatient services
- Prescription medications
- Mental health and substance use treatment
- Preventive care and screenings
- Dental services (limited for adults)
- Vision and hearing services
- Lab tests and imaging
- Home and community-based services for eligible individuals
- Transportation to medical appointments
- Family planning services
Coverage details may vary by eligibility category. Children typically receive the broadest range of services under the Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) benefit.
How to Apply for MaineCare: Step by Step
Applying for MaineCare is straightforward. You have several options:
Step 1: Gather Your Information
Before you apply, have the following ready:
- Social Security numbers for all household members
- Proof of income (pay stubs, tax returns, or employer statements)
- Proof of Maine residency (utility bill, lease, or ID)
- Proof of citizenship or immigration status
- Information about current health coverage, if any
Step 2: Choose Your Application Method
Online (recommended): Visit MyMaineConnection.gov to apply online. You can create an account, complete your application, and upload documents all in one place.
By phone: Call 1-855-797-4357 (TTY: Maine Relay 711) to apply over the phone with a representative.
By mail: Download the MaineCare application from the DHHS website and mail it to: Office for Family Independence, 114 Corn Shop Lane, Farmington, ME 04938.
By email: Send a completed application to Farmington.DHHS@Maine.gov.
In person: Visit your local DHHS district office for help completing your application.
Step 3: Submit Your Application
Complete all sections of the application and submit it along with any required documents. If you apply online, you can upload documents directly through My Maine Connection.
Step 4: Wait for a Decision
Maine DHHS will review your application and typically make a decision within 45 days (or 90 days for disability-based applications). You may be contacted for additional information during this time.
Step 5: Receive Your MaineCare Card
If approved, you will receive your MaineCare card in the mail. You can begin using your coverage right away to see doctors and fill prescriptions.
Not sure if you qualify? Use our free eligibility screener to get a quick estimate before you apply.
Working Disabled Program
Maine offers a special MaineCare category for adults under 65 who have a disability and earn income from employment or self-employment. To qualify, you must have a disability determination from the Social Security Administration. Many participants pay nothing for coverage, while higher earners may pay $10 to $20 per month. This program helps disabled Mainers stay employed without losing health benefits.
Important Changes to Watch in 2026
Federal Medicaid policy continues to evolve. Keep these developments in mind:
- Eligibility redeterminations: States are conducting regular eligibility reviews. Make sure your contact information with DHHS is up to date so you do not lose coverage.
- Potential federal funding changes: Proposed federal budget adjustments could affect Medicaid funding in late 2026 or beyond. No cuts have taken effect as of early 2026, but it is worth staying informed.
- Postpartum coverage: Maine continues to offer 12 months of postpartum coverage, an extension from the previous 60-day limit.
Frequently Asked Questions
What is the income limit for MaineCare in 2026?
For adults ages 19 to 64, the income limit is approximately $1,801 per month for a single person (138% of the Federal Poverty Level). Children qualify at higher income levels, up to 305% FPL. Pregnant individuals qualify at up to 214% FPL. See the tables above for limits by household size.
Can I get MaineCare if I work?
Yes. MaineCare covers working adults as long as your income falls within the limits for your household size. There is no work requirement for MaineCare in Maine. If you have a disability and work, you may qualify through the Working Disabled program.
How long does it take to get approved?
Most applications are processed within 45 days. Disability-based applications may take up to 90 days. Applying online through My Maine Connection is the fastest method.
Does MaineCare cover dental and vision?
MaineCare covers dental services, though adult dental coverage is more limited than coverage for children. Vision services, including eye exams, are also covered. Children receive comprehensive dental and vision benefits.
Can undocumented immigrants get MaineCare?
Pregnant individuals can qualify for MaineCare regardless of immigration status. For other categories, you generally must be a U.S. citizen, U.S. national, or qualified non-citizen.
What if my income is too high for MaineCare?
If your income exceeds MaineCare limits, you may qualify for subsidized health insurance through CoverME.gov, Maine's health insurance marketplace. You may also be eligible for the Medically Needy Spend-Down program if you have significant medical expenses. Check all programs you may qualify for with our free tool.
How do I renew my MaineCare coverage?
MaineCare coverage must be renewed annually. DHHS will send you a renewal form before your coverage period ends. You can also renew online at MyMaineConnection.gov. Respond promptly to avoid a gap in coverage.
Start Your Eligibility Check Today
Understanding Maine Medicaid eligibility in 2026 is the first step toward getting the health coverage you and your family need. With generous income limits for children, expanded coverage for adults, and special programs for pregnant individuals and people with disabilities, MaineCare helps hundreds of thousands of Mainers access affordable care.
Ready to find out if you qualify? Use our free benefits screener to check your eligibility for MaineCare and other assistance programs in just a few minutes. You may be leaving money on the table.
