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

Medicaid Expansion Status in Texas

Texas has not expanded Medicaid, meaning most adults without dependent children do not qualify for Medicaid regardless of income. Only parents earning up to 15% FPL ($4,098/year for a family of three) may qualify.

Who Qualifies for Medicaid in Texas?

Medicaid in Texas 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 (limited eligibility in non-expansion states).

Medicaid for Seniors (65+) in Texas

Seniors in Texas 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 Texas is $994/month for a single person. For nursing home care, the limit is $2,982/month.

Medicaid for People with Disabilities in Texas

People with disabilities who receive SSDI or SSI may qualify for Medicaid in Texas. 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 $994/month.

How to Apply for Medicaid in Texas

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

• Online: Through Texas’s state Medicaid portal or HealthCare.gov
• Phone: Call Texas’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 Texas

Individuals who qualify for both Medicare and Medicaid are called “dual eligibles.” In Texas, 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 842,400 dual-eligible individuals in Texas.

Medicaid Asset Limits in Texas

In addition to income limits, Medicaid for long-term care in Texas 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.