Medicare Savings Programs: QMB, SLMB, QI and QDWI (2026 Limits)

The table shows Medicare.gov's 2026 monthly income limits. They include a $20 income disregard, so many states publish figures $20 lower (for example $1,330 single for QMB). Limits are slightly higher in Alaska and Hawaii.

2026 resource limits. For QMB, SLMB and QI the federal resource limit effective January 1, 2026 is $9,950 for a single person and $14,910 for a married couple. For QDWI it is $4,000 single and $6,000 married. Some states choose to waive the resource limit; others, like Michigan, say an asset test applies.

Limits for 2027 have not been published yet. They are tied to the federal poverty guidelines, which usually come out early in the year.

Medicare Savings Programs are run by state Medicaid agencies. You apply to your state, not to Medicare and not through a Medicare plan. Medicare.gov encourages people to apply even if their income is above the federal figures, because states can disregard some income and resources.

QI has two extra rules: you must apply every year, and help is given first-come first-served. You cannot get QI if you qualify for other Medicaid.

Help from a Medicare Savings Program is also excluded from Medicaid estate recovery under federal law, which our long-term care basics explain.

If you qualify only for a Medicare Savings Program, you are often called a “partial dual.” Your options for Medicare plans, including D-SNPs, depend on your state's rules. Our guide to full versus partial dual eligibility explains why.