Home › Blog › Michigan Medicaid Income Limits for 2027: How to Check If You Qualify
Michigan Medicaid Income Limits for 2027: How to Check If You Qualify
People often search for "the Healthy Michigan Plan (Medicaid) income limit" and find a number that doesn't match their situation. That's because the limit depends on who you are: an adult, a parent, a child, a pregnant woman, or a person with a disability each have different rules. Here's how to read it.
The basic rule for adults
Michigan expanded Medicaid, so adults earning up to 138% of the federal poverty level (about $22,025 a year for one person) can generally qualify for the Healthy Michigan Plan (Medicaid).
For 2027 coverage, the poverty guidelines used for marketplace credits are $15,960 for one person and $33,000 for a family of four. Medicaid uses a percentage of the current-year poverty level for your household size, so the dollar number grows as the household grows and changes each year. Always check your state's current chart.
Children and pregnancy are different
Children's coverage (Medicaid and CHIP) usually has higher income limits than adult coverage, and pregnancy coverage often does too. A family can be over the limit for the parents and under it for the kids.
Work rules coming in 2027
Starting January 1, 2027, most expansion adults ages 19 to 64 have to show 80 hours a month of work, school, job training or community service (or equivalent income) to keep Medicaid, unless they qualify for an exemption such as caring for a young child, a disability, or pregnancy.
If you earn too much for Medicaid
Above the Medicaid line, the marketplace takes over. A premium tax credit lowers your price between 100% and 400% of the poverty level ($15,960 to $63,840 for one person). In Michigan, open enrollment for 2027 coverage runs on HealthCare.gov from November 1, 2026 to January 15, 2027. Pick a plan by December 15, 2026 if you want coverage to start January 1, 2027; plans picked after that start later.
If you're in the gap, with no Medicaid and no credit, see how to cover a tight budget and getting covered without a job.
How to check
- Apply through HealthCare.gov; it screens you for Medicaid and CHIP automatically.
- Count your household the way the application asks, including tax dependents.
- Use your expected monthly income for Medicaid, but your expected annual income for a marketplace credit.
Not sure which side of the line you're on? Check your options and we'll sort it out. Also see who qualifies for Medicaid or Medicare.
Frequently asked questions
What is the income limit for the Healthy Michigan Plan (Medicaid)?
Michigan expanded Medicaid, so adults earning up to 138% of the federal poverty level (about $22,025 a year for one person) can generally qualify for the Healthy Michigan Plan (Medicaid).
Do kids have a different Medicaid limit than adults?
Usually yes. Children's coverage through Medicaid and CHIP typically allows higher household income than adult coverage.
What if I earn too much for Medicaid?
You can apply for a marketplace plan with a premium tax credit, which is available from 100% to 400% of the federal poverty level.