Medicare Savings Programs

Last updated: 7 April 2026 Bottom Line: In New York, a Medicare Savings Program can remove the monthly Medicare Part B premium, and for people who qualify for Qualified Medicare Beneficiary (QMB), it can also stop Medicare deductibles, coinsurance, and copays for Medicare-covered care. The biggest New York-specific rule is that the state says there … Read more

Last updated: April 7, 2026 Bottom line: Connecticut does not run a separate state-only Medicare Savings Program outside the regular MSP system. Instead, the Connecticut Department of Social Services (DSS) runs MSP statewide with current March 1, 2026 income limits and, for the three public Connecticut levels, a no-asset rule that is much easier than … Read more

Last updated: April 7, 2026 Bottom line: Delaware does not run a separate Delaware-only Medicare Savings Program. Instead, the state uses the standard Medicaid-run programs — Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), Qualifying Individual (QI, called QI-1 on Delaware pages), and for a smaller group, Qualified Disabled and Working Individual (QDWI) — … Read more

Last updated: May 6, 2026 Bottom line: Florida does not run a separate Florida-only Medicare Savings Program. Florida uses the federal Medicare Savings Programs through Medicaid. The DCF Medicaid page explains that DCF decides eligibility, and the AHCA Medicaid page covers the agency that runs Medicaid services. If Florida pays only your Part B premium, … Read more

Last updated: 7 April 2026 Bottom line: Georgia does not run a separate Georgia-only Medicare Savings Program. Instead, the state uses Georgia Medicaid to administer the federal Medicare Savings Programs, and the fastest statewide ways to apply are Georgia Gateway, the DFCS contact center at 1-877-423-4746, or your county Division of Family and Children Services … Read more

Last updated: April 7, 2026 Bottom Line: Idaho does not have a separate Idaho-only senior premium program outside the standard Medicare Savings Programs. The real help for low-income Idaho seniors is through Idaho Medicaid’s Medicare Savings Programs: Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), Qualifying Individual (QI), and, for a much smaller group, … Read more

Last updated: April 7, 2026 Bottom line: Hawaii runs Medicare Savings Programs through the Department of Human Services Med-QUEST Division. If your income and savings are limited, these programs can pay some or all of your Medicare Part A and Part B costs, and Hawaii lets seniors apply through one combined Medicaid application system online, … Read more

Last updated: 7 April 2026 Bottom line: Illinois does not run a separate senior-only Medicare Savings Program outside the regular Medicaid system. Older adults in Illinois usually apply through the state’s Application for Benefits Eligibility (ABE) or a local Illinois Department of Human Services (IDHS) Family Community Resource Center, and the newest public 2026 Illinois … Read more

Last updated: 7 April 2026 Bottom line: Indiana does offer Medicare Savings Programs, and the state is more generous than the basic federal chart many seniors find first. If you live in Indiana, have Medicare, and your income and savings are limited, the state may pay your Medicare Part B premium, and the Qualified Medicare … Read more

Last updated: April 7, 2026 Bottom Line: Iowa does not have a separate county-run senior premium-help program outside Medicaid’s Medicare Savings Program. The main help for low-income older adults is through Iowa Department of Health and Human Services (Iowa HHS), and the fastest Iowa path is usually one application through the HHS Services Portal, with … Read more

Last updated: 7 April 2026 Bottom line: Kansas does not run a separate state-funded Medicare Savings Program beyond the regular federal Medicare Savings Programs. Instead, Kansas handles these benefits through KanCare, the Kansas Medicaid program, with applications handled by the KanCare Clearinghouse. If you are close to any limit, apply anyway: as of 7 April … Read more

Last updated: 7 April 2026 Bottom line: Kentucky does offer Medicare Savings Programs, but it handles them through Kentucky Medicaid, usually through kynect benefits or the Department for Community Based Services (DCBS), not through a separate senior-only office. The most valuable level for many low-income seniors is the Qualified Medicare Beneficiary (QMB) Program, because it … Read more

Last updated: 7 April 2026 Bottom Line: Louisiana does not run a separate Louisiana-only senior MSP. Instead, the Louisiana Department of Health (LDH) Medicare Savings Program page shows that Louisiana Medicaid administers the four standard Medicare Savings Programs: Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), Qualifying Individual (QI), and Qualified Disabled and Working … Read more

Last updated: 7 April 2026 Bottom Line: Maine’s Medicare Savings Program can be a very big help. If you qualify, it can save you the standard 2026 Medicare Part B premium of $202.90 a month, and the stronger QMB level can also stop Medicare deductibles, coinsurance, and copays for Medicare-covered care. Maine does not run … Read more

Last updated: 7 April 2026 Bottom Line: Maryland does not run a separate state-only Medicare Savings Program. Instead, the state uses Maryland Medicaid’s Medicare Savings Program to decide whether you qualify for Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), Qualifying Individual (QI), or Qualified Disabled & Working Individual (QDWI). For most Maryland seniors … Read more

Last updated: May 5, 2026 Bottom line: In Massachusetts, MassHealth Medicare Savings Programs can help people with Medicare pay some Medicare costs. For 2026, the main public income ceiling reaches 225% of the federal poverty level for SLMB/QI, and Massachusetts removed the asset test for QMB, SLMB, and QI. If you were told years ago … Read more

Last updated: May 6, 2026 Bottom line: In Michigan, Medicare Savings Programs are handled by the MDHHS. Most people apply through MI Bridges or the state health coverage application. The right program may pay the 2026 Part B premium of $202.90 per month. If you qualify for QMB, it can also protect you from most … Read more

Last updated: 7 April 2026 Bottom Line: Minnesota does not run a separate state-only Medicare Savings Program. Instead, the Minnesota Department of Human Services (DHS) runs QMB, SLMB, QI, and QDWI through county and tribal offices. If you are 65 or older, or you only want help with Medicare costs, the most important step is … Read more

Last updated: April 7, 2026 Bottom line: In Mississippi, Medicare Savings Programs are handled by the Mississippi Division of Medicaid (DOM) under its “Medicare cost-sharing” rules. For 2026, Mississippi’s own guide shows no resource test for Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), or Qualifying Individual (QI), and these programs can save an … Read more

Last updated: April 7, 2026 Bottom Line: If you live in Missouri and Medicare is eating up too much of your monthly income, the state may be able to pay your Part B premium and, in some cases, your Medicare deductibles and coinsurance through a Medicare Savings Program. In Missouri, this help is handled through … Read more

Last updated: 7 April 2026 Bottom Line: Montana does not run a separate state-only Medicare Savings Program beyond the standard federal programs. Instead, Montana handles Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), Qualifying Individual (QI), and the related Qualified Disabled and Working Individual (QDWI) program through the Montana Department of Public Health and … Read more

Last updated: April 7, 2026 Bottom line: In Nebraska, Medicare Savings Programs are handled through the same state Medicaid system used by the Nebraska Department of Health and Human Services (DHHS). If you have Medicare and low income, apply even if you are not sure you qualify, because Nebraska may screen you for full Medicaid, … Read more

Last updated: April 7, 2026 Bottom Line: Nevada does not run a separate state-only Medicare Savings Program. Instead, Nevada uses the standard Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), Qualifying Individual (QI), and Qualified Disabled and Working Individual (QDWI) programs through the state Medicaid system, with eligibility handled by the Division of Social … Read more

Last updated: 7 April 2026 Bottom Line: If you have Medicare and a low income in New Hampshire, the state may be able to pay your Medicare premiums and, in some cases, your deductibles and coinsurance through a Medicare Savings Program. In New Hampshire, this help runs through the regular Medicaid/DHHS system, usually through NH … Read more

Last updated: April 7, 2026 Bottom line: New Jersey does not run a separate state-only Medicare Savings Program. Instead, the state mainly handles the federal Qualified Medicare Beneficiary (QMB), Specified Low-Income Medicare Beneficiary (SLMB), and Qualifying Individual (QI) programs through the NJSave application, and that same application can also screen you for other help. If … Read more

Last updated: April 7, 2026 Bottom Line: In New Mexico, Medicare Savings Programs can remove the monthly Medicare Part B premium from a fixed income, and the Qualified Medicare Beneficiary (QMB) program can also wipe out Medicare deductibles, coinsurance, and copayments for Medicare-covered care. The biggest New Mexico advantage is simple: the state no longer … Read more

Last updated: 7 April 2026 Bottom Line: In North Carolina, Medicare Savings Programs (MSPs) are handled through NC Medicaid, usually by your county Department of Social Services (DSS) or through ePASS. For many seniors, the biggest win is getting the 2026 Medicare Part B premium of $202.90 a month paid, and for Qualified Medicare Beneficiary … Read more

Last updated: April 7, 2026 Bottom Line: North Dakota does not run a separate state-only senior Medicare premium program. Instead, the state uses the standard Medicare Savings Programs through North Dakota Health and Human Services. If your income and assets are limited, these programs may pay your Medicare Part B premium and, in some cases, … Read more

Last updated: 7 April 2026 Bottom line: Ohio handles Medicare Savings Programs through Medicaid as Medicare Premium Assistance Programs, often shortened to MPAP in Ohio rules. If you qualify, Ohio may pay your 2026 Medicare Part B premium of $202.90 per month, which is about $2,434.80 over a full year, and the QMB program can … Read more

Last updated: April 7, 2026 Bottom line: Oklahoma does not run a separate extra state-funded Medicare Savings Program beyond the standard four programs. Instead, low-income seniors usually apply through SoonerCare Supplemental, with eligibility handled by Oklahoma Human Services, and the right program can pay the Part B premium or even wipe out Medicare deductibles, coinsurance, … Read more

Last updated: 7 April 2026 Bottom line: Oregon does offer the regular Medicare Savings Programs, but the state does a few things differently than many national guides suggest. The biggest Oregon difference is that there is no asset limit for these programs in Oregon, and older adults usually apply through the same Oregon Health Plan … Read more

Last updated: 7 April 2026 Bottom line: In Pennsylvania, Medicare Savings Programs are handled through the Department of Human Services as part of Medical Assistance, not through a separate senior-only state program. The biggest Pennsylvania detail many websites miss is that Qualified Medicare Beneficiary (QMB) can mean either full-benefit Healthy Horizons with a lower asset … Read more

Last updated: April 7, 2026 Bottom line: Rhode Island runs Medicare Savings Programs through its Medicaid system under the Medicare Premium Payment Program. The biggest 2026 change is that the state now moves people who would have qualified for the Specified Low-Income Medicare Beneficiary program into Qualified Medicare Beneficiary status, so many seniors get stronger … Read more

Last updated: 7 April 2026 Bottom line: In South Carolina, Medicare Savings Programs are handled through Healthy Connections Medicaid, not through a separate state-only senior portal. If you qualify, the state may pay your Medicare Part B premium, and the Qualified Medicare Beneficiary program can also stop bills for Medicare deductibles, coinsurance, and copayments on … Read more

Last updated: 7 April 2026 Bottom Line: South Dakota does not run a separate state-only Medicare Savings Program. Instead, the South Dakota Department of Social Services administers the federal Medicare Savings Program pathways through Medicaid eligibility. For many low-income seniors, this is the fastest real way to stop the Medicare Part B premium from coming … Read more

Last updated: 7 April 2026 Bottom line: Tennessee offers Medicare Savings Programs through TennCare, not through a separate senior-only office. If you qualify, these programs can pay your Medicare Part B premium, and in the strongest program they can also wipe out Medicare deductibles, coinsurance, and copayments for Medicare-covered care. The fastest Tennessee path is … Read more

Last updated: May 5, 2026 Bottom line: Texas uses the four Medicare Savings Programs: QMB, SLMB, QI, and QDWI. If HHSC approves you, one of these programs may pay Medicare premiums. QMB can also stop most Medicare-covered deductibles, coinsurance, and copay bills. Apply through Texas HHSC, not through a broker or health plan. For other … Read more

Last updated: 7 April 2026 Bottom Line: In Utah, Medicare Savings Programs are usually called Medicare Cost-Sharing Programs. They can pay your Medicare Part B premium, and the Qualified Medicare Beneficiary program can also stop bills for Medicare deductibles, coinsurance, and copays on Medicare-covered care. Utah does not run a separate state-only senior MSP. You … Read more

Last updated: 7 April 2026 Bottom Line: Vermont made Medicare Savings Programs much more useful on 1 January 2026. For most older adults here, the practical programs are now QMB and QI-1, and Vermont says the Medicare Savings Program has no resource limit. If you qualify, the program can pay the 2026 standard Medicare Part … Read more

Last updated: 7 April 2026 Bottom line: In Virginia, Medicare Savings Programs are run through Cardinal Care, the state Medicaid program, and the fastest path is usually CommonHelp or a phone application through Cover Virginia. For 2026, Virginia’s statewide monthly income limits start at $1,350 for Qualified Medicare Beneficiary (QMB), $1,616 for Special Low-Income Medicare … Read more

Last updated: April 7, 2026 Bottom Line: In Washington, Medicare Savings Programs can cut Medicare costs in a big way. The state uses its own April 1, 2026 income standards, allows more generous income rules than many basic national charts, and has no resource test for MSP-only eligibility. If you are 65 or older or … Read more

Last updated: 7 April 2026 Bottom Line: In West Virginia, Medicare Savings Programs are usually handled as Medicare Premium Assistance through the West Virginia Department of Human Services. For most seniors, the most important programs are QMB, SLMB, and QI, and the fastest practical way to start is usually WV PATH or your county DoHS … Read more

Last updated: 7 April 2026 Bottom Line: Wisconsin does help low-income Medicare enrollees through Medicare Savings Programs. In this state, the help runs through Medicaid and ForwardHealth, so the fastest path is usually ACCESS or your local income maintenance or Tribal agency. If you are looking for the Qualified Individual (QI) program, Wisconsin usually calls … Read more

Last updated: April 7, 2026 Bottom line: Wyoming handles Medicare Savings Programs through Wyoming Medicaid, not through separate county-run programs. If you qualify, the help can be worth a lot: in 2026 it can cover the standard Medicare Part B premium of $202.90 per month, and the Qualified Medicare Beneficiary program can also stop Medicare … Read more

Last updated: 7 April 2026 Bottom Line: Colorado does not run a separate state-only Medicare Savings Program beyond the four standard MSP categories. In Colorado, help usually comes through Health First Colorado’s Medicare Savings Program system, using the same state medical assistance process, the Colorado PEAK portal, and your county human services office. For many … Read more

Last updated: 6 April 2026 Bottom line: California does not have a separate state-only Medicare Savings Program with a different name. Instead, California runs the federal QMB, SLMB, QI, and QDWI programs through Medi-Cal, county social services offices, and BenefitsCal. If you qualify, these programs can save you at least the 2026 standard Medicare Part … Read more

Last updated: 6 April 2026 Bottom Line: Arkansas runs the standard Medicare Savings Programs through the Arkansas Department of Human Services. For many older adults, that can mean help with the Part B premium, and for QMB it can also mean real protection from Medicare-covered deductibles, coinsurance, and copays. Arkansas materials can be confusing because … Read more

Last updated: 06 April 2026 Bottom Line: In Arizona, Medicare Savings Programs are run through AHCCCS, and they can save an older adult hundreds of dollars each month by paying a Medicare premium or, in the case of QMB, most Medicare cost-sharing too. The fastest Arizona route is usually the Health-e-Arizona Plus portal, and free … Read more

Last updated: 31 March 2026 Bottom Line: Alaska uses the standard Medicare Savings Programs through the state Medicaid system. There is no separate Alaska-only MSP category, but Alaska does use higher income limits than most states, and the right program can save an older adult hundreds of dollars a month in Medicare costs. For most … Read more

Last updated: April 8, 2026 Bottom Line: If you are enrolled in the Qualified Medicare Beneficiary (QMB) program, Medicare providers usually cannot bill you for Medicare Part A or Part B deductibles, coinsurance, or copayments on Medicare-covered care. If a bill still arrives, do not assume it is correct. Ask for a correction, ask for … Read more

Last updated: May 5, 2026 Bottom line: Alabama uses the federal Medicare Savings Programs to help some Medicare members pay Medicare costs. For most seniors, the main help is QMB, SLMB, or QI. Alabama does not count resources for QMB, SLMB, or QI, so savings alone should not stop you from applying. Use Alabama Form … Read more