Author: Dr. Patricia Chen

Medicare Options in Kansas

Kansas residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 620,000 Medicare beneficiaries, Kansas is a mid-sized Medicare markets, which means fewer plan options but often more personalized service.

Medicare Advantage in Kansas

Kansas has 24 Medicare Advantage plans available, with an average star rating of 3.7 out of 5.0. The average monthly premium across all MA plans in the state is $6.80/month average premium. Medicare Advantage plans in Kansas typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Kansas

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Kansas is 3.7 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Kansas

Kansas has 22 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Kansas Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Kansas

Medigap Plan G is the most popular Medicare Supplement plan in Kansas, with an average monthly premium of $114. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Kansas

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$114/month
Plan N	Covered	Covered (with copays)	Covered	$93/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$131/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$51/month

Medicaid in Kansas

Kansas has not expanded Medicaid, meaning most adults without dependent children do not qualify for Medicaid regardless of income. Only parents earning up to 38% FPL ($10,382/year for a family of three) may qualify.

Medicaid Income Limits in Kansas (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	No income limit	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	No income limit	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$994/month	For seniors and disabled individuals

Medicare Savings Programs in Kansas

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Kansas residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Kansas

Social Security Disability Insurance (SSDI) recipients in Kansas automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Kansas, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Kansas residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Iowa

Iowa residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 720,000 Medicare beneficiaries, Iowa is a mid-sized Medicare markets, which means fewer plan options but often more personalized service.

Medicare Advantage in Iowa

Iowa has 28 Medicare Advantage plans available, with an average star rating of 3.8 out of 5.0. The average monthly premium across all MA plans in the state is $7.20/month average premium. Medicare Advantage plans in Iowa typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Iowa

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Iowa is 3.8 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Iowa

Iowa has 22 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Iowa Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Iowa

Medigap Plan G is the most popular Medicare Supplement plan in Iowa, with an average monthly premium of $116. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Iowa

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$116/month
Plan N	Covered	Covered (with copays)	Covered	$95/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$133/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$52/month

Medicaid in Iowa

Iowa has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage.

Medicaid Income Limits in Iowa (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$2,982/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$2,982/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$994/month	For seniors and disabled individuals

Medicare Savings Programs in Iowa

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Iowa residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Iowa

Social Security Disability Insurance (SSDI) recipients in Iowa automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Iowa, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Iowa residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Indiana

Indiana residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 1,380,000 Medicare beneficiaries, Indiana is one of the larger Medicare markets, which means strong plan competition and generally lower premiums.

Medicare Advantage in Indiana

Indiana has 42 Medicare Advantage plans available, with an average star rating of 3.9 out of 5.0. The average monthly premium across all MA plans in the state is $8.40/month average premium. Medicare Advantage plans in Indiana typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Indiana

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Indiana is 3.9 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Indiana

Indiana has 24 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Indiana Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Indiana

Medigap Plan G is the most popular Medicare Supplement plan in Indiana, with an average monthly premium of $126. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Indiana

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$126/month
Plan N	Covered	Covered (with copays)	Covered	$103/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$145/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$57/month

Medicaid in Indiana

Indiana has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage.

Medicaid Income Limits in Indiana (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$2,982/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$2,982/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$1,330/month	For seniors and disabled individuals

Medicare Savings Programs in Indiana

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Indiana residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Indiana

Social Security Disability Insurance (SSDI) recipients in Indiana automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Indiana, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Indiana residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Idaho

Idaho residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 340,000 Medicare beneficiaries, Idaho is a mid-sized Medicare markets, which means fewer plan options but often more personalized service.

Medicare Advantage in Idaho

Idaho has 16 Medicare Advantage plans available, with an average star rating of 3.7 out of 5.0. The average monthly premium across all MA plans in the state is $5.20/month average premium. Medicare Advantage plans in Idaho typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Idaho

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Idaho is 3.7 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Idaho

Idaho has 21 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Idaho Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Idaho

Medigap Plan G is the most popular Medicare Supplement plan in Idaho, with an average monthly premium of $112. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Idaho

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$112/month
Plan N	Covered	Covered (with copays)	Covered	$92/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$129/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$50/month

Medicaid in Idaho

Idaho has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage.

Medicaid Income Limits in Idaho (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$3,002/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$3,002/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$1,047/month	For seniors and disabled individuals

Medicare Savings Programs in Idaho

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Idaho residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Idaho

Social Security Disability Insurance (SSDI) recipients in Idaho automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Idaho, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Idaho residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Illinois

Illinois residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 2,480,000 Medicare beneficiaries, Illinois is one of the larger Medicare markets, which means strong plan competition and generally lower premiums.

Medicare Advantage in Illinois

Illinois has 58 Medicare Advantage plans available, with an average star rating of 4.0 out of 5.0. The average monthly premium across all MA plans in the state is $10.80/month average premium. Medicare Advantage plans in Illinois typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Illinois

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Illinois is 4.0 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Illinois

Illinois has 26 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Illinois Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Illinois

Medigap Plan G is the most popular Medicare Supplement plan in Illinois, with an average monthly premium of $144. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Illinois

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$144/month
Plan N	Covered	Covered (with copays)	Covered	$118/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$166/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$65/month

Medicaid in Illinois

Illinois has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage.

Medicaid Income Limits in Illinois (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$1,330/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$1,330/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$1,330/month	For seniors and disabled individuals

Medicare Savings Programs in Illinois

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Illinois residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Illinois

Social Security Disability Insurance (SSDI) recipients in Illinois automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Illinois, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Illinois residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Hawaii

Hawaii residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 290,000 Medicare beneficiaries, Hawaii is a mid-sized Medicare markets, which means fewer plan options but often more personalized service.

Medicare Advantage in Hawaii

Hawaii has 12 Medicare Advantage plans available, with an average star rating of 4.3 out of 5.0. The average monthly premium across all MA plans in the state is $0/month (many $0-premium plans available). Medicare Advantage plans in Hawaii typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Hawaii

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Hawaii is 4.3 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Hawaii

Hawaii has 19 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Hawaii Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Hawaii

Medigap Plan G is the most popular Medicare Supplement plan in Hawaii, with an average monthly premium of $188. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Hawaii

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$188/month
Plan N	Covered	Covered (with copays)	Covered	$154/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$216/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$85/month

Medicaid in Hawaii

Hawaii has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage.

Medicaid Income Limits in Hawaii (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	No income limit	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	No income limit	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$1,530/month	For seniors and disabled individuals

Medicare Savings Programs in Hawaii

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Hawaii residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Hawaii

Social Security Disability Insurance (SSDI) recipients in Hawaii automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Hawaii, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Hawaii residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Georgia

Georgia residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 1,840,000 Medicare beneficiaries, Georgia is one of the larger Medicare markets, which means strong plan competition and generally lower premiums.

Medicare Advantage in Georgia

Georgia has 48 Medicare Advantage plans available, with an average star rating of 3.8 out of 5.0. The average monthly premium across all MA plans in the state is $9.60/month average premium. Medicare Advantage plans in Georgia typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Georgia

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Georgia is 3.8 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Georgia

Georgia has 25 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Georgia Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Georgia

Medigap Plan G is the most popular Medicare Supplement plan in Georgia, with an average monthly premium of $122. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Georgia

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$122/month
Plan N	Covered	Covered (with copays)	Covered	$100/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$140/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$55/month

Medicaid in Georgia

Georgia has partially expanded Medicaid. Adults earning up to 100% FPL may qualify, but the state has not adopted full ACA expansion to 138% FPL.

Medicaid Income Limits in Georgia (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$2,982/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$2,982/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$994/month	For seniors and disabled individuals

Medicare Savings Programs in Georgia

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Georgia residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Georgia

Social Security Disability Insurance (SSDI) recipients in Georgia automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Georgia, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Georgia residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Florida

Florida residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 4,900,000 Medicare beneficiaries, Florida is one of the larger Medicare markets, which means strong plan competition and generally lower premiums.

Medicare Advantage in Florida

Florida has 112 Medicare Advantage plans available, with an average star rating of 3.9 out of 5.0. The average monthly premium across all MA plans in the state is $7.80/month average premium. Medicare Advantage plans in Florida typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Florida

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Florida is 3.9 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Florida

Florida has 29 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Florida Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Florida

Medigap Plan G is the most popular Medicare Supplement plan in Florida, with an average monthly premium of $134. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Florida

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$134/month
Plan N	Covered	Covered (with copays)	Covered	$110/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$154/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$60/month

Medicaid in Florida

Florida has not expanded Medicaid, meaning most adults without dependent children do not qualify for Medicaid regardless of income. Only parents earning up to 26% FPL ($7,103/year for a family of three) may qualify.

Medicaid Income Limits in Florida (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$2,982/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$2,982/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$1,171/month	For seniors and disabled individuals

Medicare Savings Programs in Florida

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Florida residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Florida

Social Security Disability Insurance (SSDI) recipients in Florida automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Florida, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Florida residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Delaware

Delaware residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 210,000 Medicare beneficiaries, Delaware is a mid-sized Medicare markets, which means fewer plan options but often more personalized service.

Medicare Advantage in Delaware

Delaware has 18 Medicare Advantage plans available, with an average star rating of 3.9 out of 5.0. The average monthly premium across all MA plans in the state is $11.40/month average premium. Medicare Advantage plans in Delaware typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Delaware

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Delaware is 3.9 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Delaware

Delaware has 20 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Delaware Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Delaware

Medigap Plan G is the most popular Medicare Supplement plan in Delaware, with an average monthly premium of $148. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Delaware

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$148/month
Plan N	Covered	Covered (with copays)	Covered	$121/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$170/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$67/month

Medicaid in Delaware

Delaware has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage.

Medicaid Income Limits in Delaware (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	$2,485/month	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	$2,485/month	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$994/month	For seniors and disabled individuals

Medicare Savings Programs in Delaware

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Delaware residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Delaware

Social Security Disability Insurance (SSDI) recipients in Delaware automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Delaware, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Delaware residents may qualify for Medicaid to bridge the coverage gap.

Medicare Options in Connecticut

Connecticut residents on Medicare have three primary coverage paths: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) insurance paired with a Part D prescription drug plan. With 720,000 Medicare beneficiaries, Connecticut is a mid-sized Medicare markets, which means fewer plan options but often more personalized service.

Medicare Advantage in Connecticut

Connecticut has 22 Medicare Advantage plans available, with an average star rating of 4.1 out of 5.0. The average monthly premium across all MA plans in the state is $14.20/month average premium. Medicare Advantage plans in Connecticut typically include prescription drug coverage, dental, vision, and hearing benefits not available through Original Medicare.

2026 Medicare Advantage Star Ratings in Connecticut

CMS rates Medicare Advantage plans on a 1–5 star scale based on quality measures including preventive care, managing chronic conditions, member experience, and customer service. Plans rated 4 stars or higher receive bonus payments from CMS, which they typically pass on to members through lower premiums or enhanced benefits. The average MA plan star rating in Connecticut is 4.1 stars.

Star Rating	What It Means	Bonus Payments
5 Stars	Excellent — top-performing plan	Yes — highest bonus
4.5 Stars	Above average quality	Yes
4 Stars	Good quality	Yes
3.5 Stars	Average quality	No
3 Stars or below	Below average — consider switching	No

Medicare Part D in Connecticut

Connecticut has 21 standalone Part D prescription drug plans available. In 2026, the maximum out-of-pocket cap for Part D drugs is $2,100 — a major change from prior years that eliminates catastrophic drug costs. The maximum Part D deductible is $615.

2026 Part D Key Numbers for Connecticut Residents

2026 Part D Limit	Amount
Out-of-pocket maximum	$2,100/year
Maximum deductible	$615/year
National base beneficiary premium	$38.99/month
Late enrollment penalty (per month uncovered)	1% × $38.99
Coverage gap (“donut hole”)	Eliminated as of 2025

Medicare Supplement (Medigap) in Connecticut

Medigap Plan G is the most popular Medicare Supplement plan in Connecticut, with an average monthly premium of $172. Plan G covers the Part A deductible ($1676 in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only cost Plan G does not cover is the Part B deductible ($240 in 2026).

Medigap Plan Comparison for Connecticut

Plan	Part A Deductible	Part B Coinsurance	SNF Coinsurance	Estimated Monthly Premium
Plan G (most popular)	Covered	Covered	Covered	$172/month
Plan N	Covered	Covered (with copays)	Covered	$141/month
Plan F (pre-2020 enrollees only)	Covered	Covered	Covered	$198/month
Plan K (high-deductible)	50% covered	50% covered	50% covered	$77/month

Medicaid in Connecticut

Connecticut has fully expanded Medicaid under the Affordable Care Act, meaning adults earning up to 138% of the Federal Poverty Level ($22,025/year for an individual) qualify for Medicaid coverage.

Medicaid Income Limits in Connecticut (2026)

Medicaid Program	Income Limit (Single)	Notes
Nursing Home / Institutional Medicaid	No income limit	Nearly all income goes toward cost of care
HCBS Waiver (home-based care)	No income limit	Recipient keeps income for living expenses
Regular Medicaid (Aged, Blind, Disabled)	$1,413/month	For seniors and disabled individuals

Medicare Savings Programs in Connecticut

Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries pay their premiums, deductibles, and copays. Connecticut residents may qualify for one of four programs based on income:

Program	Individual Income Limit	Couple Income Limit	Benefit
QMB (Qualified Medicare Beneficiary)	$1,255/month	$1,704/month	Pays Part A and B premiums, deductibles, and copays
SLMB (Specified Low-Income MB)	$1,478/month	$1,992/month	Pays Part B premium only
QI (Qualifying Individual)	$1,660/month	$2,239/month	Pays Part B premium only, limited slots
QDWI (Qualified Disabled Working)	$4,945/month	$6,659/month	Pays Part A premium for working disabled under 65

SSDI Recipients and Medicare in Connecticut

Social Security Disability Insurance (SSDI) recipients in Connecticut automatically become eligible for Medicare after a 24-month waiting period from their disability onset date. This means that if you were approved for SSDI in Connecticut, your Medicare coverage begins in month 25 of your disability. During the 24-month waiting period, Connecticut residents may qualify for Medicaid to bridge the coverage gap.