The Medicaid Income Limit is the most important criteria for deciding whether you qualify for Medicaid in your state. In this post, we are going to explain in detail the Indiana Medicaid Income Limits for 2021. The Medicaid program in Indiana is also referred to as Healthy Indiana Plan.
Based on this information, you will be able to determine whether your income qualifies you for Indiana Medicaid or not.
However, before we get into details about the income limit, we will first explain the Medicaid program in Indiana and how it works.
Next, we will discuss who is eligible for Medicaid, including how eligibility works for various categories, including Children, Pregnant Women, and Adults.
What is Medicaid?
Medicaid is a federal and state health insurance program for people with a low income.
It provides free or low-cost health coverage to millions of Americans, including families and children, pregnant women, the elderly, and people with disabilities.
The Children’s Health Insurance Program (CHIP) offers health coverage to children in families with incomes too high to qualify for Medicaid, but who can’t afford private coverage.
How Many People are on Medicaid?
According to the Centers for Medicare & Medicaid Services, as of November 2020, here are the number of people enrolled in Medicaid and Chip in the entire United States:
- 78,521,263 individuals were enrolled in Medicaid and CHIP
- 72,204,587 individuals were enrolled in Medicaid
- 6,695,834 individuals were enrolled in CHIP
Indiana Medicaid
The Indiana Medicaid program provides medical coverage to low-income individuals and families.
As of 2020, the program, along with the Children’s Health Insurance Program (CHIP) covered 1.7 million people.
This includes 872,000 children as shown by the image below.
Medicaid services in Indiana are managed by the Family and Social Services Administration (FSSA).
Who Can Get Medicaid in Indiana?
You should apply for Medicaid if your income is low and you match one of the descriptions below:
- You think you are pregnant
- The parent or caretaker of a child and/or teenager under the age of 19.
- You are a child or teenager age 18 or under.
- An adult age 65 or older.
- You are legally blind.
- Living with a disability or disabled.
- You are in need of nursing home care.
Indiana Medicaid Income Limit
The Indiana Medicaid Income Limit is calculated as a percentage of the Federal Poverty Line.
To qualify, you must meet the Indiana Medicaid Income limits listed below.
Here is the Federal Poverty Level (FPL) for 2021.
| 2021 Federal Poverty Levels for the 48 Contiguous States & D.C. | |||
| Household Size | Poverty Guideline for 48 states & DC | Alaska | Hawaii |
| 1 | $12,880 | $16,090 | $14,820 |
| 2 | $17,420 | $21,770 | $20,040 |
| 3 | $21,960 | $27,450 | $25,260 |
| 4 | $26,500 | $33,130 | $30,480 |
| 5 | $31,040 | $38,810 | $35,700 |
| 6 | $35,580 | $44,490 | $40,920 |
| 7 | $40,120 | $50,170 | $46,140 |
| 8 | $44,660 | $55,850 | $51,360 |
| Over 8 people | add $4,540 for each additional person | $5,680 | $5,220 |
Additionally, to be eligible for Medicaid, you cannot make more than the income guidelines outlined below:
- Children up to age 1 with family income up to 208 percent of FPL
- Any child age 1-5 with a family income up to 158 percent of FPL
- Children ages 6- 18 with family income up to 158 percent of FPL
- CHIP for children with family income up to 250 percent of FPL
- Pregnant women with family income up to 208 percent of FPL
- Parents of minor children with family income up to 17 percent of FPL
- Individuals who are elderly, blind, and disabled with family income up to 100% of the FPL
- Adults without dependents under Medicaid expansion with income up to 133% of the FPL
Indiana Medicaid Income Limit Charts
The Indiana Medicaid eligibility income limit charts are divided by groups.
For example, the first chart is focused on income limits for children who qualify for Medicaid.
Similarly, the second chart below focuses on the Medicaid income limits for adults in Indiana who qualify for Medicaid.
Indiana Medicaid Income Limit for Children
Below is the income limit for children by age category. Find the age category your child falls into and you will see the income limit by household size.
| Indiana Medicaid Income Limit – Children | ||||||
| Children Medicaid Ages 0-1 | Children Medicaid Ages 1-5 | Children Medicaid Ages 6-18 | Children Separate CHIP | |||
| % FPL | 100% | 208% | 158% | 158% | 250% | |
|
Household Size
|
1 | $12,880 | $26,790 | $20,350 | $20,350 | $32,200 |
| 2 | $17,420 | $36,234 | $27,524 | $27,524 | $43,550 | |
| 3 | $21,960 | $45,677 | $34,697 | $34,697 | $54,900 | |
| 4 | $26,500 | $55,120 | $41,870 | $41,870 | $66,250 | |
| 5 | $31,040 | $64,563 | $49,043 | $49,043 | $77,600 | |
| 6 | $35,580 | $74,006 | $56,216 | $56,216 | $88,950 | |
| 7 | $40,120 | $83,450 | $63,390 | $63,390 | $100,300 | |
| 8 | $44,660 | $92,893 | $70,563 | $70,563 | $111,650 | |
Next is the income limit for adults by category. Find the category you fall into and you will see the income limit by household size.
Indiana has expanded Medicaid to include adults without dependents.
Therefore, adults without dependents can apply for Medicaid in Indiana.
For an update on the Medicaid expansion debate and timeline in Indiana, see our Indiana Expansion update below.
Indiana Medicaid Income Limit for Adults
| Indiana Medicaid Income Limit – Adults | ||||||
| Pregnant Women Medicaid | Adults (Medicaid) Parent/ Caretaker | Seniors & People w/ Disabilities (Medicaid) | Adults (Medicaid) Expansion to Adults | |||
| % FPL | 100% | 208% | 17% | 100% | 133% | |
|
Household Size
|
1 | $12,880 | $26,790 | $2,190 | $12,880 | $17,130 |
| 2 | $17,420 | $36,234 | $2,961 | $17,420 | $23,169 | |
| 3 | $21,960 | $45,677 | $3,733 | $21,960 | $29,207 | |
| 4 | $26,500 | $55,120 | $4,505 | $26,500 | $35,245 | |
| 5 | $31,040 | $64,563 | $5,277 | $31,040 | $41,283 | |
| 6 | $35,580 | $74,006 | $6,049 | $35,580 | $47,321 | |
| 7 | $40,120 | $83,450 | $6,820 | $40,120 | $53,360 | |
| 8 | $44,660 | $92,893 | $7,592 | $44,660 | $59,398 | |
How to Read the Indiana Medicaid Income Limits Charts Above
You cannot have an income higher than the Federal Poverty Level percentage described for your group to be eligible for Medicaid.
Similarly, when you identify the income group that applies to you, the income limit you see refers to the maximum level of income you can earn to qualify for benefits.
For example, if you are pregnant, to qualify for Medicaid, you cannot have an income higher than 208% of the Federal Poverty Level – which for a family of two is $36,234 as shown in the chart above.
How to Apply for Indiana Medicaid
There are 3 ways you can apply for Medicaid in Indiana.
Option 1 – Apply online
You can apply online through the Indiana FSSA Benefits Portal – as shown in the image below.
If you have an account, you can log in or create your Indiana FSSA Benefits Account. Click here to be taken to the website.
The video below, from the Indiana FSSA does a great job of walking you through how you can apply for benefits online, including Medicaid.
We encourage you to watch it if you are applying online.
Option 2 – Apply at DFR Office Near You
You can apply in person at the Indiana Division Of Family Resources office near you. Click here to locate an FSSA office.
Option 3 – Download Application
You can download an application, complete it, and mail it to your county DFR office or submit it in person.
Additionally, you can call 1-800-403-0864 to apply by phone.
Indiana Medicaid Phone Number
Here’s how to contact the Indiana Medicaid Agency:
Traditional Medicaid (Not enrolled in a health plan)
Member Services
800-457-4584
Pharmacy Services
855-577-6317
Contacts by Health Plan:
Anthem
Member Services (Healthy Indiana Plan)
866-408-6131
Member Services (Hoosier Care Connect)
844-284-1797
Member Services (Hoosier Healthwise)
866-408-6131
CareSource
Member Services (Healthy Indiana Plan)
844-607-2829
MDwise
Member Services (Healthy Indiana Plan)
800-356-1204
MHS
Member Services (Healthy Indiana Plan)
877-647-4848
UnitedHealthcare
Member Services (Hoosier Care Connect)
800-832-4643
Indiana Medicaid Expansion Update
Indiana expanded Medicaid to adults without dependents in January 2015.
The state won approval from the Center for Medicaid Services for its amended Healthy Indiana Plan (known as HIP 2.0).
Indiana began accepting applications for Medicaid under HIP 2.0 in late January 2015, with coverage beginning as soon as Feb. 1, 2015.
By January 2017, there were 403,142 people enrolled in Medicaid expansion in Indiana.
In 2019, Indiana phased in a Medicaid work requirement before suspending it in November 2019 due to a lawsuit.
The state has suspended the work requirement program until the case is resolved.
Indiana Medicaid Income Limits Summary
We hope this post on Indiana Medicaid Income Limits was helpful to you.
If you have any questions about Medicaid in the state of Indiana, you can ask us in the comments section below.
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Be sure to check out our other articles about Medicaid.
Income limits for Florida Medicaid
Iowa Medicaid Income Eligibility Charts