Montana Medicaid Eligibility Calculator (2026)
Montana’s expansion survived two sunset dates and is now permanent; adults qualify up to $1,836 a month. Healthy Montana Kids covers children up to $6,056 for a family of three.
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Eligibility checklist
Sunsets, reauthorization and a new waiver
Montana adopted expansion in 2015 with a June 2019 end date, reauthorized it in May 2019 with another sunset, and in March 2025 removed the June 2025 termination date. Coverage began January 1, 2016, and a trigger law would end it if the federal match drops.[KFF][KFF] The state is seeking a “HELP Demonstration” waiver that would add work requirements and premiums for expansion adults.[KFF]
| Group | FPL | 1 | 2 | 3 | 4 | 6 |
|---|---|---|---|---|---|---|
| Adults 19–64 | 138% | $1,836 | $2,489 | $3,142 | $3,795 | $5,102 |
| Pregnancy | 162% | $2,155 | $2,922 | $3,689 | $4,455 | $5,989 |
| Children | 266% | $3,538 | $4,797 | $6,056 | $7,315 | $9,834 |
Healthy Montana Kids
Medicaid covers children to 143% of the poverty line (school-age children partly with CHIP funds), and Healthy Montana Kids, the separate CHIP, carries them to 261%.[MACPAC] Pregnancy coverage stops at 157%.[MACPAC]
Postpartum
Montana’s 12-month postpartum extension was approved on October 16, 2023.[KFF] Pregnancy coverage tops out at 157% of the poverty line ($3,689 a month for three), noticeably lower than Healthy Montana Kids.[MACPAC]
Applying and older adults
Apply at apply.mt.gov. Montana’s poverty-level group for older adults sits at the SSI level, about 74% of the poverty line, and it does not use a special income level for long-term care.[MACPAC]
Worked example
A Billings ranch hand, a spouse and two children (ages 3 and 9) earn $6,100 a month. That is 221.8% of the poverty line for 4.
| Parent / caretaker | over by $2,305 | $3,795 |
| Child 1–5 | Healthy Montana Kids | $7,315 |
| Child 6–18 | Healthy Montana Kids | $7,315 |
Nearby: Idaho · Wyoming · South Dakota · North Dakota. How limits are applied · apply.mt.gov · Report a correction