Medicaid eligibility in Alabama — income limits for 2025
The number
Alabama Medicaid covers pregnant women up to 146% of the federal poverty line — $37,700 annual income for a family of three in 2025.
Income limits in dollars (2025)
| Category | % FPL | Household of 1 | Household of 3 | Household of 4 |
|---|---|---|---|---|
| Pregnant women | 146% | $21,990 | $37,700 | $45,550 |
| Children 0-5 | 146% | $21,990 | $37,700 | $45,550 |
| Children 6-18 | 146% | $21,990 | $37,700 | $45,550 |
| Parents / caretakers | 18% | $2,710 | $4,650 | $5,620 |
Who qualifies and how the income limits work
Alabama Medicaid uses modified adjusted gross income (MAGI) rules to test eligibility. For 2025, the thresholds for a three-person household are: pregnant women up to 146% of the federal poverty line ($37,700), children 0-5 up to 146% ($37,700), children 6-18 up to 146% ($37,700), and parents / caretaker relatives with dependents up to 18% ($4,650).
Alabama has not adopted Medicaid expansion. Adults 19-64 without dependent children have no path to Medicaid no matter how low their income. Parents earning above 18% FPL ($4,650 for a three-person household) and below 100% FPL fall into the coverage gap — too much for Medicaid, too little for ACA marketplace subsidies. The Kaiser Family Foundation estimates non-expansion states account for nearly all of the 1.5 million Americans in that gap.
Citizenship / immigration status: US citizens and most lawfully present immigrants (with a 5-year waiting period for most categories under PRWORA) qualify if they meet the income test. Pregnant women and children may qualify in narrower circumstances under the CHIPRA 2009 state option. Assets test: no assets / resources test for MAGI-category applicants; a test applies for long-term care and non-MAGI applicants.
Alabama is one of ten remaining non-expansion states; the Alabama Arise coalition continues to press the legislature to close the coverage gap that leaves roughly 300,000 adults earning between 18% and 100% of the federal poverty line without any path to Medicaid or marketplace subsidies.
For Black families
Because Alabama has not expanded Medicaid, Black parents earning between the state's parent ceiling and 100% FPL fall into the coverage gap. KFF estimates Black residents make up a disproportionate share of that gap in every non-expansion state. Alabama is one of ten remaining non-expansion states; the Alabama Arise coalition continues to press the legislature to close the coverage gap that leaves roughly 300,000 adults earning between 18% and 100% of the federal poverty line without any path to Medicaid or marketplace subsidies.
Where to get help in Alabama
- Federally Qualified Health Centers in Alabama: every FQHC accepts Medicaid, charges on a sliding scale for the uninsured, and has certified application counselors who can help you apply or renew. See our FQHC directory for this state at /clinics/al/.
- Medicaid-accepting providers in Alabama: our provider directory lets you filter to providers in this state. See /providers/al/.
- State health profile for Alabama: for state-level health outcomes context (maternal mortality, infant mortality, life expectancy, uninsured rate) by race, see /health/alabama/.
- Alabama Medicaid consumer help line: 1-800-362-1504 for application help, renewal questions, and general Medicaid inquiries. Ask for an interpreter if you need one; language access is required under Title VI of the Civil Rights Act.
References & primary sources
- Alabama Medicaid, state Medicaid portal: https://medicaid.alabama.gov/.
- KFF State Health Facts: kff.org/statedata. Medicaid income eligibility + enrollment.
- Medicaid.gov: medicaid.gov. Federal program guidance + state plan amendments.
- HHS 2025 Poverty Guidelines (Federal Register Jan 2025): aspe.hhs.gov/poverty-guidelines.
Data refreshed: