Income Requirements For Medicaid in Florida (2024)

FAQs

What is the income limit to qualify for Medicaid in Florida? ›

Eligibility levels for parents are presented as a percentage of the 2023 FPL for a family of three, which is $24,860. Eligibility limits for single adults without dependent children are presented as a percentage of the 2023 FPL for an individual, which is $14,580.

Adults under 65 who aren't disabled or caring for minor children are not eligible for Medicaid regardless of how low their income is, because Florida hasn't expanded Medicaid under the ACA.

It also establishes ways of recovering funds that may have been improperly paid out to recipients who actually could afford long-term care. Simply put, if you live in Florida, Medicaid will “look back” at all asset transfers made for the 5 years preceding your application.

Limits on Medicaid Applicant's Gross Monthly Income

Effective Jan 1, 2024, the applicant's gross monthly income may not exceed $2,829 (was $2,742). The applicant may retain $160 per month for personal expenses.

The short answer is: You don't have to sell your home to qualify for Medicaid in Florida, as it's generally exempt so long as you meet specific criteria. However, there are a number of caveats that affect this exemption, which Florida Medicaid applicants should be aware of.

First, if you own a home, you can still qualify for Medi-Cal. California has one of the best health services in this regard because California does not ask that you sell your home and pay for your medical needs, but rather it will front all the medical bills for you while you are alive.

The state with the highest income limits for both a family of three and individuals is Washington, D.C. If you live in this area, a family of three can qualify for Medicaid if their income is at 221% of the FPL. For other adults, the limit is set at 251% of the FPL.

If it's not on your pay stub, use gross income before taxes. Then subtract any money the employer takes out for health coverage, child care, or retirement savings. Multiply federal taxable wages by the number of paychecks you expect in the tax year to estimate your income.

Excessive Income and Assets: Long-term care applicants might exceed Medicaid's financial thresholds, leading to denials. Careful asset management is key. Incomplete Disclosure of Assets: All assets, including those easily overlooked, must be fully disclosed. Incomplete disclosure can trigger a denial.

Who gets approved for Medicaid in Florida? ›

Low-income individuals and families, the elderly, pregnant women, children, and people with disabilities may be eligible for Medicaid in Florida. The Florida Department of Children and Families (DCF) determines the financial eligibility for Medicaid.

Automatic Entitlement to Medicaid Coverage

An individual receiving cash benefits from the Social Security Administration's (SSA), SSI Program is automatically eligible for Medicaid.

Now, beginning on April 1, 2023, Florida's Department of Children and Families (DCF) will start disenrolling Medicaid recipients who are no longer eligible for their health insurance plans due to income changes that happened between 2020 and 2023.

According to federal and state law, the money that the Florida Medicaid program pays on behalf of a Medicaid recipient is a debt owed back to the state. Upon the death of the Medicaid recipient, the Medicaid program files a claim against the decedent's estate in order to seek reimbursem*nt for the amount owed.