Income limits
Eligibility depends on your household income compared to the Federal Poverty Level (FPL). The thresholds vary by family size and program.
Eligibility basics
Kentucky Medicaid and KCHIP are based on income, age, disability and household size. Here’s an overview.
Children & teens
Kids under 19 may qualify through Kentucky Children’s Health Insurance Program (KCHIP) or Medicaid, depending on income. Coverage includes doctor visits, hospital care, and dental.
Pregnant people
Pregnant Kentuckians may qualify with higher income limits than other adults. Prenatal and postpartum care are included.
Adults
Low-income adults ages 19–64 may qualify if income is under the limit. Coverage includes primary, emergency, and specialty care.
Seniors & disability
People over 65 or with qualifying disabilities may qualify through Medicaid or Medicare Savings Programs.
Quick income check
Rough estimate only — official eligibility is determined by kynect. Based on 2026 federal poverty guidelines.
Income limits by household size
Monthly gross income limits. Based on 2026 federal poverty guidelines. All figures are approximate — verify at kynect.ky.gov before applying.
| Program | 1 person | 2 people | 3 people | 4 people | 5 people | 6 people |
|---|---|---|---|---|---|---|
| Adults 19–64 138% FPL | $1,800$21,597/yr | $2,432$29,187/yr | $3,065$36,777/yr | $3,697$44,367/yr | $4,330$51,957/yr | $4,962$59,547/yr |
| Pregnancy Medicaid 200% FPL | $2,608$31,300/yr | $3,525$42,300/yr | $4,442$53,300/yr | $5,358$64,300/yr | $6,275$75,300/yr | $7,192$86,300/yr |
| CHIP Perinatal 218% FPL — for those above the 195% limit | $2,843$34,117/yr | $3,842$46,107/yr | $4,841$58,097/yr | $5,841$70,087/yr | $6,840$82,077/yr | $7,839$94,067/yr |
| KCHIP — children 218% FPL | $2,843$34,117/yr | $3,842$46,107/yr | $4,841$58,097/yr | $5,841$70,087/yr | $6,840$82,077/yr | $7,839$94,067/yr |
| Children under 19 standard Medicaid | Limit unconfirmed — check kynect.ky.gov | |||||
Sources: KFF State Health Facts (Jan 2025) · HHS Poverty Guidelines (2025). Retrieved Mar 26, 2026.
Tip: Use Kentucky’s official portal (kynect.ky.gov) to check your eligibility and apply.
Last updated: Mar 2026