North Dakota Medicaid Eligibility Calculator 2026

North Dakota Medicaid eligibility at a glance

North Dakota MedicaidProgram
AdoptedExpansion status
138% FPLPeople under 65
48% FPL (approx.)Parents and caretakers
175% FPLPregnancy
175% FPLChildren (up to)
800-755-2604Agency phone
Official siteAgency website

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

Household size	Monthly limit	Yearly 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

North Dakota Medicaid income limits by group, 2026

Household	Parents /mo	Pregnancy /mo	Teens 6–18 /mo	Children, top /mo
1	$638	—	—	—
2	$866	$3,156	$3,156	$3,156
3	$1,093	$3,984	$3,984	$3,984
4	$1,320	$4,813	$4,813	$4,813
5	$1,547	$5,641	$5,641	$5,641
6	$1,774	$6,469	$6,469	$6,469

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.

North Dakota's children's limit of up to 175% of poverty ranks toward the lower end nationally, and its pregnancy limit of 175% is toward the lower end nationally. Compare all states' income limits.

Who qualifies for Medicaid in North Dakota?

People: North Dakota 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 $3,156 a month.
Children: a family of four can have up to about $4,813 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. North Dakota's rules may differ, so confirm with the agency.

North Dakota Medicaid eligibility calculator: person reviewing coverage options

North Dakota 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 $3,784 a month is within the pregnancy limit.
A family of four earning $4,613 a month has teens within the Medicaid limit, even if the parents are over theirs.

Federal poverty levels used for North Dakota

Household	100% FPL	138% FPL	150% FPL	200% 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 North Dakota

Check your estimate with the North Dakota Medicaid calculator above.
Gather proof of identity, address, income and household.
Apply through the North Dakota Medicaid agency, by calling 800-755-2604, or at HealthCare.gov. Applying is free.
Answer any requests for more information before the deadline.
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 North Dakota Medicaid covers

Like every state, North Dakota 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 North Dakota benefit list.

North Dakota Medicaid work requirements

Because North Dakota 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 North Dakota for its start date and how to report.

Seniors and long-term care in North Dakota

Older people and people with disabilities in North Dakota 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 North Dakota 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 North Dakota

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

North Dakota Medicaid FAQs

What is the Medicaid income limit in North Dakota 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 North Dakota expand Medicaid?

Yes. North Dakota is among the 41 jurisdictions that have adopted expansion.

How do I apply for North Dakota Medicaid?

Apply online through the state agency or HealthCare.gov, or call 800-755-2604. It is free and you can apply at any time.

Can pregnant women get Medicaid in North Dakota?

Yes. The published limit is about 175% of poverty, or $3,156 a month for a household of two.

Does North Dakota cover children through Medicaid or CHIP?

North Dakota covers children through Medicaid, including any CHIP-funded coverage, up to about 175% of poverty.

Is the North Dakota Medicaid calculator official?

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

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

Other state Medicaid calculators

Ohio Medicaid calculator · Oklahoma Medicaid calculator · Oregon Medicaid calculator · Pennsylvania Medicaid calculator · Rhode Island Medicaid calculator · South Carolina Medicaid calculator