Medicaid Eligibility in Indiana 2026: Income Limits, Requirements & How to Apply

Medicaid Expansion Status 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.

Who Qualifies for Medicaid in Indiana?

Medicaid in Indiana covers several distinct groups, each with different income and eligibility requirements. The major categories are: seniors (65+), people with disabilities, pregnant women, children, and low-income adults (if the state has expanded Medicaid).

Medicaid for Seniors (65+) in Indiana

Seniors in Indiana may qualify for Medicaid to cover nursing home care, home-based care, or to supplement Medicare coverage. The income limit for Regular Medicaid (Aged, Blind, and Disabled) in Indiana is $1,330/month for a single person. For nursing home care, the limit is $2,982/month.

Medicaid for People with Disabilities in Indiana

People with disabilities who receive SSDI or SSI may qualify for Medicaid in Indiana. SSI recipients automatically qualify for Medicaid in most states. SSDI recipients must wait 24 months for Medicare, during which Medicaid may provide coverage if income is below $1,330/month.

How to Apply for Medicaid in Indiana

You can apply for Medicaid in Indiana through the following channels:

• Online: Through Indiana’s state Medicaid portal or HealthCare.gov
• Phone: Call Indiana’s Medicaid office directly
• In person: Visit your local Department of Social Services or Medicaid office
• Mail: Download and mail a paper application

Medicaid and Medicare Dual Eligibility in Indiana

Individuals who qualify for both Medicare and Medicaid are called “dual eligibles.” In Indiana, dual eligible individuals receive comprehensive coverage: Medicare covers most medical services, while Medicaid covers Medicare premiums, deductibles, copays, and additional services like long-term care. There are approximately 248,400 dual-eligible individuals in Indiana.

Medicaid Asset Limits in Indiana

In addition to income limits, Medicaid for long-term care in Indiana has asset limits. For a single applicant, the countable asset limit is typically $2,000. For a married couple where one spouse needs nursing home care, the community spouse may keep up to $157,920 in countable assets (the Community Spouse Resource Allowance, or CSRA, for 2026). The primary home, one vehicle, personal belongings, and certain other assets are typically exempt.