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Colorado Medicaid Eligibility Calculator

Colorado has adopted Medicaid expansion, so most people under 65 can qualify with income up to 138% of the federal poverty level.

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This is an unofficial estimate, not an application. We are not affiliated with any government agency.

Colorado Medicaid eligibility at a glance

  • Health First ColoradoProgram
  • AdoptedExpansion status
  • 138% FPLPeople under 65
  • 73% FPLParents and caretakers
  • 265% FPLPregnancy
  • 265% FPLChildren (up to)
  • 800-221-3943Agency phone
  • Official siteAgency website

Colorado income limits for ages 19–64, 2026 (138% FPL)

Household sizeMonthly limitYearly limit
1$1,835$22,025
2$2,489$29,863
3$3,142$37,702
4$3,795$45,540
5$4,448$53,378
6$5,101$61,217
7$5,755$69,055
8$6,408$76,894

Colorado Medicaid income limits by group, 2026

HouseholdParents /moPregnancy /moTeens 6–18 /moChildren, top /mo
1$971———
2$1,316$4,779$2,651$4,779
3$1,662$6,033$3,347$6,033
4$2,008$7,288$4,043$7,288
5$2,353$8,542$4,738$8,542
6$2,699$9,796$5,434$9,796

Children, pregnancy and parent limits use the Medicaid.gov eligibility levels table (state decisions as of December 1, 2023, the latest shown there), plus the 5% disregard, converted to dollars with 2026 poverty guidelines. States can change these, so confirm with your agency.

Colorado's children's limit of up to 265% of poverty ranks above most states, and its pregnancy limit of 265% is among the highest in the country. Compare all states' income limits.

Who qualifies for Medicaid in Colorado?

  • People: Colorado has adopted Medicaid expansion, so most people under 65 can qualify with income up to 138% of the federal poverty level.
  • Parents: with one child and a household of two, the parent limit is about $2,489 a month.
  • Pregnant people: a household of two (you and your expected baby) can qualify up to about $4,779 a month.
  • Children: a family of four can have up to about $4,043 a month for teens under Medicaid, and up to $7,288 depending on age and program.
  • Seniors and people with disabilities: a common benchmark is $1,014 a month and $2,000 in assets for one person. Colorado's rules may differ, so confirm with the agency.
Colorado Medicaid eligibility calculator: person reviewing coverage options

Colorado Medicaid examples

  • A single person earning $1,735 a month is under the $1,835 limit, so likely eligible.
  • A single person earning $2,035 a month is over the limit and should compare Marketplace plans.
  • A pregnant person in a household of three earning $5,833 a month is within the pregnancy limit.
  • A family of four earning $3,843 a month has teens within the Medicaid limit, even if the parents are over theirs.

Federal poverty levels used for Colorado

Household100% FPL138% FPL150% FPL200% FPL
1$15,960$22,025$23,940$31,920
2$21,640$29,863$32,460$43,280
3$27,320$37,702$40,980$54,640
4$33,000$45,540$49,500$66,000
5$38,680$53,378$58,020$77,360
6$44,360$61,217$66,540$88,720
7$50,040$69,055$75,060$100,080
8$55,720$76,894$83,580$111,440

Yearly dollars from the 2026 HHS poverty guidelines for the 48 contiguous states and DC. Divide by 12 for a monthly figure.

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How to apply for Medicaid in Colorado

  1. Check your estimate with the Colorado Medicaid calculator above.
  2. Gather proof of identity, address, income and household.
  3. Apply through the Colorado Medicaid agency, by calling 800-221-3943, or at HealthCare.gov. Applying is free.
  4. Answer any requests for more information before the deadline.
  5. Look for a decision, usually within 45 days, or 90 days if it depends on a disability.

See our full Medicaid application guide and who qualifies.

What Health First Colorado covers

Like every state, Colorado must cover hospital care, doctor visits, lab tests and X-rays, nursing facility care, home health, family planning, rides to medical care and EPSDT services for children. Optional benefits, such as dental care for people 21 and older and eyeglasses, are up to the state. Ask the agency or your health plan for the current Colorado benefit list.

Colorado Medicaid work requirements

Because Colorado has adopted expansion, most expansion enrollees aged 19 to 64 will need to complete 80 hours a month of qualifying activities starting no later than January 1, 2027. Exemptions include people who are pregnant, medically frail or caring for young children. Check with Colorado for its start date and how to report.

Seniors and long-term care in Colorado

Older people and people with disabilities in Colorado may qualify for coverage, help with Medicare costs, nursing home care or home care through waiver programs. These use separate income, asset and care-need rules, and a 60-month look-back on asset transfers applies to long-term care. See our guide to Medicaid for seniors.

Keeping your Colorado coverage

  • Update your address with the agency when you move.
  • Respond to every renewal letter by its deadline.
  • Report changes in income or household as required.
  • If you're denied, read the notice and ask about a fair hearing, usually within 90 days.

Free help in Colorado

Trained helpers can assist with applications at no cost. Dial 211, or find a local navigator at LocalHelp.HealthCare.gov. Be careful of anyone charging a fee to apply. Colorado residents on Medicaid can also check Lifeline phone discounts and food programs.

Colorado Medicaid FAQs

What is the Medicaid income limit in Colorado for 2026?

Most people aged 19–64 can qualify up to 138% of poverty, about $1,835 a month for one person and $3,795 for a family of four.

Did Colorado expand Medicaid?

Yes. Colorado is among the 41 jurisdictions that have adopted expansion.

How do I apply for Health First Colorado?

Apply online through the state agency or HealthCare.gov, or call 800-221-3943. It is free and you can apply at any time.

Can pregnant women get Medicaid in Colorado?

Yes. The published limit is about 265% of poverty, or $4,779 a month for a household of two.

Does Colorado cover children through Medicaid or CHIP?

Colorado covers children through Medicaid and a separate CHIP program, up to about 265% of poverty.

Is the Colorado Medicaid calculator official?

No. It is an independent estimate. Only the Colorado Medicaid agency can make a decision.

Agency details from Medicaid.gov. Check the agency site for current contact information.

Other state Medicaid calculators

Connecticut Medicaid calculator · Delaware Medicaid calculator · District of Columbia Medicaid calculator · Florida Medicaid calculator · Georgia Medicaid calculator · Hawaii Medicaid calculator

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Benefits to know about in Colorado