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Alabama Medicare Savings Program income limits (2026)

In 2026, a single person in Alabama can have up to $1,350 a month for QMB and up to $1,816 for QI. For a married couple the limits are $1,824 and $2,455. These are the federal limits.

Household

Gross Social Security or disability (before Part B comes out), pensions, interest.

Gross pay. The first $65 and half the rest don’t count.

Alabama monthly income limits · single

QMB$1,350
SLMB$1,616
QI$1,816
Asset limitNo asset test

2026 limits, which include each state’s income disregard. States switch to new limits each spring when the poverty guidelines update.

The result shows up here

Choose the client’s state and enter their monthly income to see whether they may qualify for QMB, SLMB or QI, what the program pays, and how close they are to the limit.

Quote the plans that fit

Dual-eligible clients often fit a D-SNP, and QMB clients rarely need extra cost-sharing coverage. Quote Medicare Advantage, D-SNPs and Medigap in QuoteDeck and send the client one link.

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Alabama QMB, SLMB and QI limits for 2026

ProgramSingleMarried
QMBPart A and B premiums, deductibles, coinsurance and copays$1,350/mo$1,824/mo
SLMBPart B premium$1,616/mo$2,184/mo
QIPart B premium$1,816/mo$2,455/mo
Asset limitNoneNone

Alabama has no asset test for these programs, although income from savings still counts.

What’s different in Alabama

  • Alabama uses the federal income limits: 100%, 120% and 135% of the poverty line plus the $20 disregard.
  • Clients under 65 who have Medicare because of a disability can qualify under the same limits.

Examples for a single client in Alabama

  • $1,200 a month: likely QMB, which pays the Part A and B premiums, deductibles, coinsurance and copays.
  • $1,475 a month: likely SLMB, which pays the Part B premium.
  • $1,700 a month: likely QI, which pays the Part B premium.
  • $2,000 a month: above the limits. Check Extra Help for Part D, and whether any income may not count.

Every level pays the $202.90 monthly Part B premium, worth about $2,435 a year.

Questions agents ask

What is the 2026 QMB income limit in Alabama?
$1,350 a month for one person or $1,824 for a married couple, including the income disregard.
Does Alabama have an asset limit for Medicare Savings Programs?
Alabama has no asset test for these programs, although income from savings still counts.
What is the highest income that qualifies for a Medicare Savings Program in Alabama?
$1,816 a month for one person or $2,455 for a married couple, for QI. Above that, the client may still qualify for Extra Help with Part D costs.
How does someone apply in Alabama?
Through the Alabama Medicaid agency. Applying for Extra Help through Social Security also sends the information to the state to start a Medicare Savings Program application.

This is a screening estimate, not a Medicaid decision. The Alabama Medicaid agency makes the final call and may switch to new limits in the spring. See limits for every state.

Sources: NCOA: MSP eligibility and coverage (2026), Medicare.gov: Medicare Savings Programs.