Maryland Medicaid Eligibility Calculator (2026)
Maryland keeps every child inside Medicaid through the Maryland Children’s Health Program, up to $7,331 a month for a family of three. Pregnancy is covered to $6,011 and adults to $1,836 a month.
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Eligibility checklist
MCHP is part of Medicaid
Regular Medicaid covers infants to 194% of the poverty line, children 1–5 to 138% and older children to 133%; CHIP funds then extend Medicaid for every age to 317%. Maryland has no separate CHIP.[MACPAC]
Pregnancy coverage and the from-conception option both reach 259% of the poverty line.[MACPAC]
| Group | FPL | 1 | 2 | 3 | 4 | 6 |
|---|---|---|---|---|---|---|
| Adults 19–64 | 138% | $1,836 | $2,489 | $3,142 | $3,795 | $5,102 |
| Pregnancy | 264% | $3,512 | $4,761 | $6,011 | $7,260 | $9,760 |
| Children | 322% | $4,283 | $5,807 | $7,331 | $8,855 | $11,904 |
Parents
Maryland’s parent/caretaker standard is relatively high at 123%, and the expansion, in place since January 1, 2014, covers parents and other adults to 138%.[MACPAC][KFF]
Postpartum
Maryland’s postpartum extension to a full year was approved August 16, 2022.[KFF] At 259% of the poverty line for pregnancy, a household of three can earn up to $6,011 a month and still keep Medicaid through the year after birth.[MACPAC]
Applying
Maryland Health Connection handles Medicaid applications alongside private plans; the Maryland Department of Health runs Medicaid. Older Marylanders can use a medically needy spend-down at about 27% of the poverty line.[MACPAC]
Worked example
A Silver Spring family of four — two parents, a newborn and a 4-year-old — earns $7,400 a month. That is 269.1% of the poverty line for 4.
| Parent / caretaker | over by $3,605 | $3,795 |
| Baby under 1 | Maryland Children’s Health Program | $8,855 |
| Child 1–5 | Maryland Children’s Health Program | $8,855 |
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