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Maine Medicaid Eligibility Calculator

Maine 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.

Maine Medicaid eligibility at a glance

  • MaineCareProgram
  • AdoptedExpansion status
  • 138% FPLPeople under 65
  • 105% FPLParents and caretakers
  • 214% FPLPregnancy
  • 305% FPLChildren (up to)
  • 855-797-4357Agency phone
  • Official siteAgency website

Maine 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

Maine Medicaid income limits by group, 2026

HouseholdParents /moPregnancy /moTeens 6–18 /moChildren, top /mo
1$1,397———
2$1,894$3,859$5,500$5,500
3$2,391$4,872$6,944$6,944
4$2,888$5,885$8,388$8,388
5$3,385$6,898$9,831$9,831
6$3,882$7,911$11,275$11,275

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.

Maine's children's limit of up to 305% of poverty ranks above most states, and its pregnancy limit of 214% is above most states. Compare all states' income limits.

Who qualifies for Medicaid in Maine?

  • People: Maine 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 $3,859 a month.
  • Children: a family of four can have up to about $8,388 a month for teens under Medicaid.
  • Seniors and people with disabilities: a common benchmark is $1,014 a month and $2,000 in assets for one person. Maine's rules may differ, so confirm with the agency.
Maine Medicaid eligibility calculator: person reviewing coverage options

Maine 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 $4,672 a month is within the pregnancy limit.
  • A family of four earning $8,188 a month has teens within the Medicaid limit, even if the parents are over theirs.

Federal poverty levels used for Maine

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 Maine

  1. Check your estimate with the Maine Medicaid calculator above.
  2. Gather proof of identity, address, income and household.
  3. Apply through the Maine Medicaid agency, by calling 855-797-4357, 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 MaineCare covers

Like every state, Maine 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 Maine benefit list.

Maine Medicaid work requirements

Because Maine 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 Maine for its start date and how to report.

Seniors and long-term care in Maine

Older people and people with disabilities in Maine 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 Maine 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 Maine

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. Maine residents on Medicaid can also check Lifeline phone discounts and food programs.

Maine Medicaid FAQs

What is the Medicaid income limit in Maine 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 Maine expand Medicaid?

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

How do I apply for MaineCare?

Apply online through the state agency or HealthCare.gov, or call 855-797-4357. It is free and you can apply at any time.

Can pregnant women get Medicaid in Maine?

Yes. The published limit is about 214% of poverty, or $3,859 a month for a household of two.

Does Maine cover children through Medicaid or CHIP?

Maine covers children through Medicaid, including any CHIP-funded coverage, up to about 305% of poverty.

Is the Maine Medicaid calculator official?

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

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

Other state Medicaid calculators

Maryland Medicaid calculator · Massachusetts Medicaid calculator · Michigan Medicaid calculator · Minnesota Medicaid calculator · Mississippi Medicaid calculator · Missouri Medicaid calculator

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Benefits to know about in Maine