If you live in Minnesota and need affordable health coverage, you may qualify for Medical Assistance, which is the name of Minnesota's Medicaid program. Minnesota is one of the states that expanded Medicaid under the Affordable Care Act, which means more residents can access free or low-cost health care than in many other states. As of late 2025, over 1.1 million Minnesotans were enrolled in Medicaid and CHIP programs. This guide covers everything you need to know about Minnesota Medicaid eligibility in 2026, including income limits, how to apply, and related programs like MinnesotaCare.
What Is Medical Assistance in Minnesota?
Medical Assistance (MA) is Minnesota's Medicaid program, administered by the Minnesota Department of Human Services. It provides comprehensive health coverage including doctor visits, hospital stays, prescription drugs, mental health services, dental care, and more. The program is jointly funded by the state and federal government, and it is available year-round with no limited enrollment period.
Minnesota also offers MinnesotaCare, a separate program for residents whose income is too high for Medical Assistance but who still need affordable coverage. Together, these programs form the core of the Minnesota Health Care Programs (MHCP) system.
For a broader look at all assistance programs in the state, visit our Minnesota Benefits Overview.
Who Qualifies for Minnesota Medicaid in 2026?
Minnesota Medicaid eligibility depends on your age, household size, income, and residency. The state uses Modified Adjusted Gross Income (MAGI) to determine eligibility for most applicants. Here are the main eligibility groups:
- Adults ages 19 to 64: Household income up to 138% of the Federal Poverty Level (FPL)
- Pregnant women: Household income up to 283% FPL (coverage continues for 12 months after delivery)
- Children ages 2 to 18: Household income up to 275% to 280% FPL
- Infants under age 2: Household income up to 283% to 288% FPL
- Seniors (65+) and people with disabilities: Separate income and asset limits apply (see below)
All applicants must be Minnesota residents. U.S. citizenship or qualifying immigration status is also required for federally funded coverage, though Minnesota has extended some state-funded coverage to certain immigrant populations.
2026 Income Limits for Medical Assistance (Adults 19 to 64)
The income limits below are based on 138% of the 2025 Federal Poverty Guidelines, which are used for the coverage period from July 1, 2025, through June 30, 2026. These figures are approximate. You will need to complete an application to determine your actual eligibility.
| Household Size | Monthly Income Limit | Annual Income Limit |
|---|---|---|
| 1 | $1,800 | $21,597 |
| 2 | $2,436 | $29,228 |
| 3 | $3,072 | $36,860 |
| 4 | $3,708 | $44,491 |
| 5 | $4,344 | $52,123 |
| 6 | $4,980 | $59,754 |
| 7 | $5,616 | $67,386 |
| 8 | $6,252 | $75,017 |
Each additional person adds approximately $636/month or $7,631/year. These limits include a 5% income disregard built into the 138% FPL threshold. Actual eligibility is determined when you submit your application through MNsure.
Important: There is no asset or resource test for adults applying for Medical Assistance under MAGI rules. Your savings, home, or car are not counted.
Income Limits for Children and Pregnant Women
Children and pregnant women qualify at significantly higher income levels:
| Category | Income Limit (% FPL) | Annual Limit (Family of 4) |
|---|---|---|
| Infants (under 2) | Up to 283% to 288% FPL | Approximately $91,000 to $92,800 |
| Children (2 to 18) | Up to 275% to 280% FPL | Approximately $88,600 to $90,200 |
| Pregnant women | Up to 283% FPL | Approximately $91,200 |
Children who earn too much for Medical Assistance may still qualify for MinnesotaCare, which covers kids at even higher income levels.
Medicaid for Seniors and People with Disabilities
Minnesota has separate eligibility rules for residents who are 65 or older, blind, or disabled. These programs use different income and asset tests:
| Program | Single Person Income | Single Person Assets |
|---|---|---|
| Regular MA (Elderly, Blind, Disabled) | $1,305/month | $3,000 |
| Nursing Home Medicaid | $1,305/month | $3,000 |
| Home and Community Based Services (HCBS) Waivers | $2,982/month | $3,000 |
For married couples where one spouse is applying, the non-applicant spouse may retain up to $162,660 in assets (the Community Spouse Resource Allowance for 2026). The non-applicant spouse's income is generally not counted.
These income and asset limits are effective from July 1, 2025, through June 30, 2026.
MinnesotaCare: Coverage Above Medicaid Limits
If your income is above Medical Assistance limits but below 200% FPL, you may qualify for MinnesotaCare. This is Minnesota's Basic Health Program, which offers comprehensive coverage at very low premiums.
| Household Size | Monthly Income Limit | Annual Income Limit |
|---|---|---|
| 1 | $2,608 | $31,300 |
| 2 | $3,525 | $42,300 |
| 3 | $4,442 | $53,300 |
| 4 | $5,358 | $64,300 |
| 5 | $6,275 | $75,300 |
| 6 | $7,192 | $86,300 |
MinnesotaCare premiums range from $0 to $80 per person per month on a sliding scale based on income. The program covers medical, dental, vision, and mental health services. Enrollment is available year-round through MNsure.
2026 change to note: Enhanced federal tax credits that kept many MinnesotaCare premiums at $0 expired at the end of 2025. Some enrollees may now owe monthly premiums for the first time.
How to Apply for Minnesota Medicaid
You can apply for Medical Assistance at any time during the year. There is no limited enrollment period. Here is a step-by-step guide:
Step 1: Gather Your Information
Before starting your application, collect the following:
- Social Security numbers for all household members
- Proof of income (pay stubs, tax returns, or employer letters)
- Proof of Minnesota residency (utility bill, lease, or ID)
- Immigration documents (if applicable)
- Information about any current health coverage
Step 2: Choose Your Application Method
You have several options:
- Online: Apply at MNsure.org. This is the fastest method. The system will automatically determine whether you qualify for Medical Assistance, MinnesotaCare, or premium tax credits for private plans.
- By phone: Call MNsure at 1-855-366-7873 (TTY: 1-800-627-3529). Assistance is available in multiple languages.
- In person: Visit your county human services office or a Tribal Health Care office.
- By mail: Download a paper application from MNsure.org and mail it to your county office.
Step 3: Complete the Application
Answer all questions about your household, income, and current coverage. If applying online, the process typically takes 15 to 30 minutes. Be as accurate as possible since errors can delay processing.
Step 4: Submit and Wait for a Decision
After submitting your application, your county will review it and determine your eligibility. You should receive a decision within 30 to 45 days. If you are approved, your coverage can begin as early as the date of your application.
Step 5: Provide Verification if Requested
Your county may ask for additional documents to verify your income, residency, or identity. Respond promptly to avoid delays or denial of your application.
Not sure which programs you might qualify for? Use our free eligibility screener to check in just a few minutes.
What Does Minnesota Medical Assistance Cover?
Medical Assistance in Minnesota provides one of the most comprehensive Medicaid benefit packages in the country. Covered services include:
- Doctor and specialist visits
- Hospital inpatient and outpatient care
- Prescription medications
- Mental health and substance abuse treatment
- Dental care (including preventive and restorative)
- Vision care and eyeglasses
- Lab work and diagnostic tests
- Physical therapy, occupational therapy, and speech therapy
- Home health care
- Durable medical equipment
- Transportation to medical appointments
- Nursing home care (for eligible seniors and disabled individuals)
Most services require no copays or premiums for Medical Assistance enrollees.
Medicaid Renewals and Staying Enrolled
Once enrolled, you must renew your Medical Assistance coverage annually. Your county will send a renewal notice before your coverage end date. You can renew online through MNsure, by phone, by mail, or in person at your county office.
It is critical to keep your contact information up to date with MNsure and your county. During the 2023 to 2024 Medicaid "unwinding" after COVID-era continuous coverage protections ended, many Minnesotans lost coverage simply because renewal notices were sent to old addresses.
If your income or household changes during the year, report those changes to MNsure within 30 days. Changes could affect your eligibility or move you between programs (for example, from Medical Assistance to MinnesotaCare).
Frequently Asked Questions
What is the income limit for Minnesota Medicaid in 2026?
For adults ages 19 to 64, the income limit is 138% of the Federal Poverty Level. For a single person, that is approximately $21,597 per year or $1,800 per month. For a family of four, the limit is approximately $44,491 per year. Children and pregnant women qualify at higher income levels.
Is there an asset limit for Minnesota Medicaid?
For most adults and children applying under MAGI rules, there is no asset test. Your home, car, and savings accounts are not counted. However, seniors (65+) and people with disabilities face an asset limit of $3,000 for a single person or $6,000 for a married couple.
Can I apply for Minnesota Medicaid at any time?
Yes. Medical Assistance and MinnesotaCare enrollment is open year-round. You do not need to wait for an open enrollment period.
What is the difference between Medical Assistance and MinnesotaCare?
Medical Assistance is Minnesota's Medicaid program for people with income up to 138% FPL. MinnesotaCare covers people with income between 138% and 200% FPL. MinnesotaCare may require small monthly premiums, while Medical Assistance typically has no premiums or copays.
How long does it take to get approved?
Most applications are processed within 30 to 45 days. If you need urgent medical care, ask about emergency Medical Assistance, which can provide temporary coverage while your full application is processed.
What happens if I earn too much for Medical Assistance?
If your income exceeds Medical Assistance limits, you may qualify for MinnesotaCare (up to 200% FPL) or for premium tax credits to help pay for a private health plan through MNsure. Use our free screener to explore all your options.
Will the federal budget changes affect Minnesota Medicaid in 2026?
Federal legislation passed in early 2026 includes changes to Medicaid funding over the next decade, primarily affecting the enhanced federal matching rate for the expansion population. The full impact on Minnesota's programs is still unfolding, and state officials have indicated they plan to maintain coverage. Check with MNsure or the Minnesota Department of Human Services for the latest updates.
Additional Resources
- MNsure for applications and eligibility information
- Minnesota Department of Human Services for program details
- Minnesota Benefits Overview for a full list of state programs
- Free Benefits Eligibility Screener to check what you qualify for
This article is for informational purposes only and does not constitute legal or financial advice. Eligibility is determined by the state based on your specific circumstances. Income limits are approximate and based on the 2025 Federal Poverty Guidelines. Always verify current figures by contacting MNsure or your county human services office.
