Indiana Medicaid: Income Limits, Eligibility and How to Apply
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Medicaid in Indiana is run by the Indiana Family and Social Services Administration. Indiana adopted the Affordable Care Act expansion in 2015, through HIP 2.0, so an adult under 65 qualifies on income alone at or below 138% of the poverty guideline: $1,835 a month for one person in 2026. Children are covered through Hoosier Healthwise, and the application is at fssabenefits.in.gov/bp/# or 800-403-0864. Every figure below is dated 2026-09-23.
| Program | Indiana Medicaid; Healthy Indiana Plan (HIP) for expansion adults |
|---|---|
| Children | Hoosier Healthwise |
| Agency | Indiana Family and Social Services Administration |
| Apply | fssabenefits.in.gov/bp/# · 800-403-0864 |
| Expansion | Yes, since 2015 |
| Adult income limit, 2026 | $22,025 a year for one person; $45,540 for four |
| Work requirement | January 1, 2027 |
Who qualifies in Indiana
Adults 19 to 64 not on Medicare qualify at or below 138% of poverty (133% plus a 5% disregard), on household modified adjusted gross income, with no asset test. The 2026 figures:
| Household size | Annual income at 138% | Monthly | 100% of poverty (marketplace floor) |
|---|---|---|---|
| 1 | $22,025 | $1,835 | $15,960 |
| 2 | $29,863 | $2,489 | $21,640 |
| 3 | $37,702 | $3,142 | $27,320 |
| 4 | $45,540 | $3,795 | $33,000 |
| 5 | $53,378 | $4,448 | $38,680 |
Computed from the 2026 HHS poverty guidelines (January 15, 2026).
Children (Hoosier Healthwise), pregnant women, parents, seniors and people with disabilities use other limits that Indiana sets above the federal minimums.
How Indiana compares
Indiana expanded in 2015, later than most; only 11 states have done so since. On the work requirement it is not among the early starters (Arkansas, Iowa, Montana, Nebraska), so members have until January 1, 2027. Indiana uses the plain "Medicaid" name, so the card and letters say what they are.
How to apply for Indiana Medicaid
- Apply online at fssabenefits.in.gov/bp/#, or call 800-403-0864. HealthCare.gov also takes Medicaid applications and forwards them to Indiana. There is no enrollment period; any day works.
- Report this month's income.
A Indiana Medicaid case also qualifies you for a free phone (Indiana carriers, paperwork) and shares documents with Indiana SNAP.
What changes in Indiana
Indiana has set its own start for the federal work requirement: January 1, 2027. Six-month renewals for expansion adults begin with renewals scheduled on or after January 1, 2027. The nationwide changes are on the hub with CMS sources.
Indiana specifics
- Indiana says it will begin enforcing the 80-hour-a-month requirement for HIP members on January 1, 2027; HIP members also fund POWER accounts.
- Offices serve Indianapolis, Fort Wayne, Evansville and every county; hospitals and health centers also employ enrollment assisters.
Whether Indiana Medicaid pays for dental or weight-loss drugs is Indiana's choice; see does Medicaid cover.
Common questions
What is the Medicaid income limit in Indiana for 2026?
$22,025 a year for one adult, $29,863 for two and $45,540 for four (138% of the 2026 poverty guideline); children go higher through Hoosier Healthwise.
Does Indiana have a Medicaid work requirement?
Yes: Indiana has set January 1, 2027, for expansion adults 19 to 64 (80 hours a month, with exemptions listed on the hub).
Sources
- Indiana Medicaid: state program page
- HHS: 2026 poverty guidelines
- HealthCare.gov: Medicaid expansion and you (138%)
- Federal Register: community engagement interim final rule (June 3, 2026)
- CMS: 2025 law section-by-section overview
Gov-Grants.org is an independent guide, not a carrier and not a government agency. We never charge fees, and every fact above links to its source with the date we checked it. Program details change; confirm on the official site before applying.