For single adults without dependents, understanding the eligibility criteria—particularly the income limits—is essential for accessing affordable medical coverage. This article provides a detailed overview of the projected Medicaid income limits for single adults in 2025, explaining how they are determined and what you need to know to determine potential eligibility.

Understanding Medicaid Expansion and the Income-Based Threshold

A key factor in Medicaid eligibility for single adults is whether a state has adopted the Affordable Care Act’s (ACA) Medicaid expansion. As of 2024, 41 states, including Washington D.C., have expanded their programs.

* In Expansion States: Eligibility is primarily based on income as a percentage of the Federal Poverty Level (FPL). For single adults, the standard threshold is 138% of the FPL.
* In Non-Expansion States: Eligibility for non-disabled, childless adults is often extremely limited or non-existent, regardless of income. These states typically only cover specific categories like parents with very low income, pregnant women, the elderly, or individuals with disabilities.

Projected 2025 Income Limits for a Single Adult

The Federal Poverty Level is adjusted annually by the Department of Health and Human Services (HHS) based on inflation. While the official 2025 FPL figures will be released in early 2025, we can project the income limits based on recent trends and the 2024 baseline.

The 2024 FPL for a single-person household in the contiguous 48 states and D.C. is ,060.

Assuming a conservative annual adjustment of approximately 2-3%, the projected 2025 FPL for a single adult is estimated to be between ,350 and ,500.

Using the standard 138% FPL eligibility threshold for expansion states, the projected monthly and annual income limits for 2025 are:

| Household Size | Projected Annual Income Limit (138% FPL) | Projected Monthly Income Limit |
| :—————– | :—————————————— | :——————————— |
| Single Adult | ~,180 – ,390 | ~,765 – ,783 |

Important Notes:
* These figures are projections for the contiguous U.S. Higher limits apply in Alaska and Hawaii.
* Income is calculated using the Modified Adjusted Gross Income (MAGI) methodology, which generally includes wages, salaries, tips, and taxable income.

Key Factors That Affect Your Eligibility

This is the most critical factor. Check if your state has expanded Medicaid. A single adult earning ,000 may qualify in New York (an expansion state) but not in Texas (a non-expansion state).

Medicaid agencies use MAGI to determine financial eligibility. It’s important to understand what counts as income.

In expansion states using MAGI rules, there is no asset test for most adults. Your eligibility is based solely on income. However, some non-expansion states or eligibility pathways for the elderly/disabled may still have asset limits.

You can apply for Medicaid at any time of the year—there is no limited open enrollment period. If your income drops below the limit, you should apply immediately.

How to Apply and Next Steps

Confirm whether your state has expanded Medicaid. Your state’s Medicaid agency website is the best source.

Have proof of income (pay stubs, tax returns), identity, citizenship, and residency ready.

The easiest way is through your state’s Medicaid website or the Health Insurance Marketplace at [HealthCare.gov](https://www.healthcare.gov/). The Marketplace application will automatically assess your eligibility for Medicaid based on your income and household details.

If your income is above your state’s Medicaid limit, you may be eligible for premium tax credits to purchase a subsidized plan on the ACA Marketplace.

Conclusion

For single adults in Medicaid expansion states, the 2025 income limits are projected to provide coverage to individuals earning up to approximately ,300 annually. Staying informed about these thresholds and understanding your state’s rules is the first step toward securing vital health coverage. Given that policies and exact figures can change, always consult your state’s Medicaid office or the official Health Insurance Marketplace for the most current information and personalized guidance.

Disclaimer: This article provides general information and projections based on current policies. Medicaid rules and income limits are subject to change. For definitive eligibility determination and the most accurate figures, always refer to official state or federal resources.