Income limits in dollars (2025)
| Category | % FPL | Household of 1 | Household of 3 | Household of 4 |
|---|---|---|---|---|
| Pregnant women | 213% | $32,080 | $55,000 | $66,460 |
| Children 0-5 | 158% | $23,790 | $40,800 | $49,300 |
| Children 6-18 | 158% | $23,790 | $40,800 | $49,300 |
| Parents / caretakers | 138% | $20,780 | $35,630 | $43,060 |
| Expansion adults (19-64) | 138% | $20,780 | $35,630 | $43,060 |
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Who qualifies and how the income limits work
Healthy Indiana Plan (HIP) uses modified adjusted gross income (MAGI) rules to test eligibility. For 2025, the thresholds for a three-person household are: pregnant women up to 213% of the federal poverty line ($55,000), children 0-5 up to 158% ($40,800), children 6-18 up to 158% ($40,800), and parents / caretaker relatives with dependents up to 138% ($35,630).
Adults 19-64 who don't fit another category qualify under Medicaid expansion up to 138% of the federal poverty line — $35,630 for a family of three. The state adopted expansion in 2015, so there is no coverage gap between the parent ceiling and ACA marketplace subsidies.
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.
Indiana's HIP 2.0 waiver uses a POWER account, beneficiaries above 100% FPL pay monthly contributions. SB 132 (2023) required the Family and Social Services Administration to study doula reimbursement; a State Plan Amendment is pending CMS approval as of 2025.
For Black families
Expansion in Indiana extended Medicaid to adults up to 138% of the federal poverty line regardless of parental status, removing one of the biggest barriers to coverage for Black adults in physically demanding hourly-wage work. Indiana's HIP 2.0 waiver uses a POWER account, beneficiaries above 100% FPL pay monthly contributions. SB 132 (2023) required the Family and Social Services Administration to study doula reimbursement; a State Plan Amendment is pending CMS approval as of 2025.
Where to get help in Indiana
- Federally Qualified Health Centers in Indiana: 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/in/.
- Medicaid-accepting providers in Indiana: our provider directory lets you filter to providers in this state. See /providers/in/.
- State health profile for Indiana: for state-level health outcomes context (maternal mortality, infant mortality, life expectancy, uninsured rate) by race, see /health/indiana/.
- Healthy Indiana Plan (HIP) consumer help line: 1-800-403-0864 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
- Healthy Indiana Plan (HIP), state Medicaid portal: https://www.in.gov/medicaid/.
- 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:
More Indiana Medicaid facets
If you have Medicaid, the coverage on this page is the route to use first: it costs you nothing and it is what these programs exist for. If you are not covered yet, there is still a free option. Our directory of free and charitable clinics lists verified centers by state. The option below is self-pay and is not billed to Medicaid. It is here for readers who are between coverage or who prefer to pay out of pocket:
Affiliate