Medicare Savings Programs
Helps pay Medicare premiums, deductibles, and copays.
Overview
Medicare Savings Programs is administered by the Centers for Medicare & Medicaid Services. Saves $170–$250/month in Medicare premiums.
Four programs: QMB, SLMB, QI, QDWI.
Eligibility Requirements
Income Limit
Below 135% FPL
Minimum Age: 65+
2026 Income Limits
Federal baseline. Some states have higher limits.
Medicare Savings Programs income limit in the contiguous US: 135% of the Federal Poverty Level (FPL). Based on 2026 HHS poverty guidelines.
| Household Size | 2026 FPL | Annual Limit (135%) | Monthly Limit |
|---|---|---|---|
| 1 person | $15,060 | $20,331 | $1,694 |
| 2 people | $20,440 | $27,594 | $2,300 |
| 3 people | $25,820 | $34,857 | $2,905 |
| 4 people | $31,200 | $42,120 | $3,510 |
| 5 people | $36,580 | $49,383 | $4,115 |
| 6 people | $41,960 | $56,646 | $4,721 |
| 7 people | $47,340 | $63,909 | $5,326 |
| 8 people | $52,720 | $71,172 | $5,931 |
Each additional person adds approximately $5,380 to the FPL base ($7,263 at 135%).
Required Documents
Medicare Savings Programs by State
Income limits and rules vary by state. Find yours.
View all 51 states
Frequently Asked Questions
What is Medicare Savings Programs?
Helps pay Medicare premiums, deductibles, and copays.
How much is Medicare Savings Programs worth?
$1,700 to $3,000 per year. Saves $170–$250/month in Medicare premiums
What documents do I need?
You'll need: Medicare card, Proof of income, Social Security card, Bank statements.
How long does processing take?
30-60 days from submission.
How often do I renew?
Every 12 months.
Other Healthcare Programs
Free or low-cost comprehensive health coverage for low-income adults and families.
CHIPLow-cost health coverage for children in families that earn too much for Medicaid.
Medicare Extra HelpHelps pay Medicare prescription drug plan costs for people with limited income.
ACA Premium Tax CreditLowers monthly health insurance premiums through the Marketplace.