UTAH MEDICAID GUIDE
Medicaid Income Limits Utah 2026: A Guide for People with Medicare
In 2026, Utah Medicaid for people who are aged (65+), blind or disabled has an income limit of $1,330 a month for one person and $1,804 for a couple, with an asset limit of $2,000 (single) or $3,000 (couple). If your income is higher, Utah’s Medicare Savings Programs and federal Extra Help have higher limits, up to $1,796 a month (QI) and $23,940 a year (Extra Help) for one person.
Sources: Utah DHHS Medicaid Policy Manual, Table II and Table VII (effective March 1, 2026) · Medicare.gov – Help with drug costs (2026)
This guide lays out the Medicaid income limits Utah uses in 2026 for people who have Medicare or are turning 65, side by side with the asset limits. It’s the numbers page: one place to see Utah Medicaid, the three Medicare Savings Programs, and Extra Help together, so you can tell which program you’re closest to before you apply.
Want to know how each Medicare Savings Program works and how to apply step by step? See our Medicare Savings Program Utah guide. Turning 65 soon? Start with turning 65 in Utah: your Medicare roadmap.
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INCOME LIMITS
Medicaid income limits Utah 2026: the numbers at a glance
Monthly income limits by program
These are the limits Utah’s Department of Workforce Services (DWS) uses for people 65+ and people with Medicare. They’re based on the Federal Poverty Level (FPL) and took effect March 1, 2026.
- Utah Medicaid, aged, blind or disabled (100% FPL): $1,330 a month (single) · $1,804 (couple)
- QMB, Qualified Medicare Beneficiary (100% FPL): $1,330 · $1,804
- SLMB, Specified Low-Income Medicare Beneficiary (120% FPL): $1,596 · $2,164
- QI, Qualifying Individual (135% FPL): $1,796 · $2,435
- Extra Help with Part D drug costs (federal): $23,940 a year (single) · $32,460 (couple), about $1,995 and $2,705 a month
Utah’s table measures countable income, which is your income after allowed deductions. Medicare.gov lists slightly higher federal MSP figures for 2026 ($1,350, $1,616 and $1,816 for one person). Either way, DWS makes the final call, so if you’re close, apply. (Utah Medicaid Policy Manual, Table VII; Medicare.gov – Medicare Savings Programs)
What if my income is over the limit?
Utah has a Medically Needy (spenddown) program for people who are aged, blind or disabled. If your countable income is above 100% FPL, you may still qualify by using medical bills, or paying the difference, to bring your income down to the limit each month. (Utah Medicaid Policy Manual 443-2)
ASSET LIMITS
Utah Medicaid asset limits for seniors
The resource limits
Income is only half the test. Each program also has an asset (resource) limit, and they’re very different:
- Utah Medicaid (aged, blind or disabled): $2,000 single · $3,000 couple
- QMB, SLMB and QI: $9,950 single · $14,910 couple
- Extra Help: $18,090 single · $36,100 couple
So someone with $8,000 in savings is over the Medicaid asset limit but can still be under the Medicare Savings Program limit. (Utah Medicaid Policy Manual, Table II; Medicare.gov – Help with drug costs)
What usually counts and what usually doesn't
Countable assets usually include cash, checking and savings, CDs, stocks and bonds. For aged, blind or disabled Medicaid, Utah doesn’t count the home you live in as your main residence, regardless of its value, and it excludes one vehicle used for transportation for you or your household. Nursing home and other long-term care Medicaid has extra home rules, including a home equity limit. Ask Utah DWS for your situation. (Utah Admin. Code R414-305-3; 20 CFR 416.1212; Utah Medicaid Policy Manual 521-4)
DUAL ELIGIBILITY
Dual eligibility: when you have Medicare and Utah Medicaid
What "dual eligible" means
If you qualify for both Medicare and full Utah Medicaid, you’re dual eligible. Medicare pays first. Medicaid can then help with costs Medicare leaves behind, and it covers some services Medicare doesn’t. Many dual eligible Utahns also get QMB, which pays Medicare premiums, deductibles and copays.
Which program fits your income
Think of it as a ladder. At or under 100% FPL, you may qualify for full Medicaid plus QMB. Between 100% and 120%, SLMB pays your Part B premium. Between 120% and 135%, QI pays your Part B premium if Utah’s yearly QI funds are still available. Above that, Extra Help may still lower your drug costs.
The 2026 Part B standard premium is $202.90 a month, so an MSP that pays it is worth about $2,435 a year. (CMS – 2026 Medicare Parts A & B Premiums and Deductibles)
Extra Help comes with it
If you get full Medicaid, an MSP, or SSI, you get Extra Help with Part D automatically. You don’t need a separate application. (Medicare.gov – Help with drug costs) The Part D yearly out-of-pocket cap still applies to everyone. Learn more in the Medicare Part D out-of-pocket cap.
Not sure which rung you’re on?
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HOW TO APPLY
How to apply in Utah
Where to apply
- Utah Medicaid and Medicare Savings Programs: apply through DWS online at jobs.utah.gov, by phone at 1-866-435-7414, or at a DWS office. (Utah Medicaid – Apply)
- Extra Help: apply through Social Security online or at 1-800-772-1213 (TTY 1-800-325-0778). (SSA – Extra Help)
- Applying for Extra Help also starts an MSP application with Utah, unless you tell Social Security not to.
What to have ready
- Your Medicare card and Social Security number
- Proof of income: Social Security award letter, pensions, annuities
- Bank statements, and IRA or 401(k) balances
- Your spouse’s information, if you’re married
Check where you stand
See how your income and assets compare with the official 2026 limits before you apply. Your answers stay on your device.
Utah Medicaid, Medicare Savings Program & Extra Help income checker
Compare your income and assets with the official 2026 limits for Utah aged, blind and disabled Medicaid, the Medicare Savings Programs (QMB, SLMB, QI) and Extra Help with drug costs.
Figures: Utah DHHS Medicaid Eligibility Manual, Table VII (income) and Table II (assets), effective Mar. 1, 2026; federal MSP limits: Medicare.gov "Medicare Savings Programs" and SSA POMS HI 00815.023 (2026); MSP asset limits: CMS CMCS Informational Bulletin, Dec. 9, 2025; Extra Help: Medicare.gov "Help with drug costs" and SSA publication EN-05-10508 (2026). The checker subtracts only the $20 general income exclusion; Utah DWS and Social Security apply other deductions and make the final decision. Results are estimates for education only. Limits usually change each January (assets) and March (Utah income). Boo Insurance Services, Fores Boo, licensed agent (NPN 17255694). Not affiliated with or endorsed by the U.S. government or the federal Medicare program.
GET HELP
Neutral help and local help in Utah
Utah's SHIP
Utah’s Senior Health Insurance Information Program (SHIP) offers unbiased Medicare counseling at no cost. Call 1-800-541-7735 (Utah DHHS Aging & Adult Services). You can also call 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048).
How a review with me works
I’m Fores Boo, a licensed independent Medicare agent (NPN 17255694) with Boo Insurance Services in Draper, and I’ve helped 1,000+ Utahns with Medicare. I don’t decide Medicaid eligibility, DWS does. What I can do is walk through your Medicare coverage, explain how Utah Medicaid or an MSP would work with it, and point you to the right office. There’s no cost to you for my help, and there’s no obligation. For the bigger picture, see our Medicare Utah guide.
COMMON QUESTIONS
Frequently asked questions
For people who are aged (65+), blind or disabled, Utah Medicaid’s income limit is 100% of the Federal Poverty Level: $1,330 a month for one person and $1,804 for a couple, effective March 1, 2026. Utah measures countable income, after allowed deductions.
For aged, blind or disabled Medicaid in Utah, the asset limit is $2,000 for one person and $3,000 for a married couple. The Medicare Savings Programs have higher limits in 2026: $9,950 for one person and $14,910 for a couple.
Often, yes. In Utah, SLMB covers income up to $1,596 a month and QI up to $1,796 for one person in 2026, and both pay your Part B premium. Extra Help goes higher, up to $23,940 a year for one person.
Utah’s Medically Needy program, also called spenddown, lets aged, blind or disabled people qualify by using medical bills, or paying the difference, to bring countable income down to 100% of the Federal Poverty Level each month.
For aged, blind or disabled Medicaid, Utah doesn’t count the home you live in as your main residence, regardless of its value, and it excludes one vehicle used for transportation. Cash, bank accounts, stocks and bonds usually count. Nursing home Medicaid has extra home rules, so confirm your situation with the Department of Workforce Services.
Apply through the Utah Department of Workforce Services online at jobs.utah.gov, by phone at 1-866-435-7414, or at a local office. Apply for Extra Help through Social Security at 1-800-772-1213.
Talk through your numbers
The limits change every year, and small details decide who qualifies. Grab your Medicare card, your Social Security letter and a recent bank statement, and let’s look at how Medicaid income limits in Utah line up with your Medicare.
There’s no cost to you for my help.
NEXT STEP
Sources
- Utah DHHS Medicaid Policy Manual, Table II, Aged, Blind and Disabled Income Limits and Other Important Figures (effective March 1, 2026): https://oepmanuals.dhhs.utah.gov/Tables/TABLE_II_-_Aged,_Blind_and_Disabled_Income_Limits_and_Other_Important_Figures.htm
- Utah DHHS Medicaid Policy Manual, Table VII, Income Limits for Medical & Medicare Cost-Sharing Programs (effective March 1, 2026): https://oepmanuals.dhhs.utah.gov/Tables/TABLE_VII_-_Income_Limits_for_Medical_%26_Medicare_Cost-Sharing_Programs.htm
- Utah DHHS Medicaid Policy Manual, 443-2, 100% FPL Group or Spenddown Program for the Aged, Blind or Disabled: https://oepmanuals.dhhs.utah.gov/400/443-2__100__FPL_Group_or_Spenddown_Program_for_the_Aged%2C_Blind_or_Disabled.htm
- Utah Medicaid, Medicare Cost Sharing Programs: https://medicaid.utah.gov/medicare-cost-sharing-programs/
- Utah Medicaid, Apply for Medicaid: https://medicaid.utah.gov/apply-medicaid/
- Medicare.gov, Medicare Savings Programs (2026 limits): https://www.medicare.gov/basics/costs/help/medicare-savings-programs
- Medicare.gov, Help with drug costs (2026 Extra Help limits): https://www.medicare.gov/basics/costs/help/drug-costs
- CMS, 2026 Medicare Parts A & B Premiums and Deductibles: https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles
- Social Security, Extra Help with Medicare prescription drug costs: https://www.ssa.gov/medicare/part-d-extra-help
- Utah Admin. Code R414-305-3, Aged, Blind and Disabled Medicaid Resource Provisions (adopts 20 CFR 416.1212 by reference): https://www.law.cornell.edu/regulations/utah/Utah-Admin-Code-R414-305-3
- 20 CFR 416.1212, Exclusion of the home: https://www.ssa.gov/OP_Home/cfr20/416/416-1212.htm
- Utah DHHS Medicaid Policy Manual, 521-4 Vehicles: https://oepmanuals.dhhs.utah.gov/500/521-4_Vehicles.htm
- Utah DHHS Aging & Adult Services, SHIP: https://daas.utah.gov/seniors/
Last updated: October 2026
Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Not connected with or endorsed by the United States government or the federal Medicare program. National Producer Number: 17255694
About the author: Fores Boo is a licensed independent Medicare agent, NPN 17255694, with Boo Insurance Services, 61 W 13490 S Ste 201, Draper, UT 84020 · 801-255-5341. Reviews are by phone or video.