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New York Medicare Savings Program income limits (2026)

In 2026, a single person in New York can have up to $1,856 a month for QMB and up to $2,494 for QI. For a married couple the limits are $2,509 and $3,375. 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.

New York monthly income limits · single

QMB$1,856
QI$2,494
Asset limitNo asset test

New York folded SLMB into QMB and QI in 2023.

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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New York QMB, SLMB and QI limits for 2026

ProgramSingleMarried
QMBPart A and B premiums, deductibles, coinsurance and copays$1,856/mo$2,509/mo
QIPart B premium$2,494/mo$3,375/mo
Asset limitNoneNone

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

What’s different in New York

  • New York sets its own income limits instead of the federal ones (federal QMB is $1,350 for one person).
  • New York folded SLMB into QMB and QI in 2023.
  • Clients under 65 who have Medicare because of a disability can qualify under the same limits.

Examples for a single client in New York

  • $1,650 a month: likely QMB, which pays the Part A and B premiums, deductibles, coinsurance and copays.
  • $2,175 a month: likely QI, which pays the Part B premium.
  • $2,650 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 New York?
$1,856 a month for one person or $2,509 for a married couple, including the income disregard.
Does New York have an asset limit for Medicare Savings Programs?
New York 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 New York?
$2,494 a month for one person or $3,375 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 New York?
Through the New York 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 New York 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.