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Massachusetts Medicare Savings Program income limits (2026)

In 2026, a single person in Massachusetts can have up to $2,385 a month for QMB and up to $2,824 for SLMB/QI. For a married couple the limits are $3,237 and $3,833. That is more than the federal limits of $1,350 for QMB and $1,816 for QI.

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.

Massachusetts monthly income limits · single

QMB$2,385
SLMB/QI$2,824
Asset limitNo asset test

Massachusetts combines SLMB and QI into one income band.

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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Massachusetts QMB, SLMB and QI limits for 2026

ProgramSingleMarried
QMBPart A and B premiums, deductibles, coinsurance and copays$2,385/mo$3,237/mo
SLMB/QIPart B premium$2,824/mo$3,833/mo
Asset limitNoneNone

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

What’s different in Massachusetts

  • Massachusetts sets its own income limits instead of the federal ones (federal QMB is $1,350 for one person).
  • Massachusetts combines SLMB and QI into one income band.
  • Clients under 65 who have Medicare because of a disability can qualify under the same limits.

Examples for a single client in Massachusetts

  • $2,125 a month: likely QMB, which pays the Part A and B premiums, deductibles, coinsurance and copays.
  • $2,600 a month: likely SLMB/QI, which pays the Part B premium.
  • $3,000 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 Massachusetts?
$2,385 a month for one person or $3,237 for a married couple, including the income disregard.
Does Massachusetts have an asset limit for Medicare Savings Programs?
Massachusetts 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 Massachusetts?
$2,824 a month for one person or $3,833 for a married couple, for SLMB/QI. Above that, the client may still qualify for Extra Help with Part D costs.
How does someone apply in Massachusetts?
Through the Massachusetts 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 Massachusetts 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.