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Medicare and health costs

Michigan Medicaid in Michigan

Michigan Medicaid covers people 65 and older through AD-Care, which uses an income limit of the poverty level plus $20 and a savings limit of $9,950 for one person, well above most states.

Checked

From the Michigan Department of Health and Human Services (MDHHS)
An older woman in her kitchen reads a letter from the day's mail

Members get vision, dental and mental health care. If your income is over the limit, Michigan assigns a deductible, and you may still qualify once your medical bills reach it.

How to apply in Michigan

In person
At the local MDHHS office in your county.

Applying is free. Nobody should charge you to apply.

Apply on the official site

Who may qualify in Michigan

Who may qualify for Michigan Medicaid
One personMarried couple
Income limit (AD-Care, from April 1, 2025)$1,325 a month (100% of the poverty level plus a $20 disregard)$1,783 a month (100% of the poverty level plus a $20 disregard)

Source: Michigan Department of Health and Human Services (source 1)

Savings limit (2026)$9,950$14,910

Source: Michigan Department of Health and Human Services (source 2)

Spend-down if your income is over the limitYes: if your income is over the limit you are assigned a deductible, and you may qualify once your medical expenses equal or exceed it

Source: Michigan Department of Health and Human Services (source 3)

Income limit for nursing-home or home-care Medicaid (2026)$2,982 a month (300% of the SSI amount)

Source: KFF (source 4)

Medicaid for adults under 65 (expansion)Yes: the Healthy Michigan Plan covers adults 19 to 64 without Medicare with income at or below 133% of the poverty level

Source: Michigan Department of Health and Human Services (source 3)

What you may get

What Michigan Medicaid pays
Adult dentalDental care is part of the comprehensive benefit package for people 65 and older on Medicaid, along with vision and mental health services

Source: Michigan Department of Health and Human Services (source 3)

How Michigan is different

Where Michigan's rules differ from the federal rules for Medicaid for people with Medicare.

  • Higher income limit: the poverty level plus $20 (AD-Care)
  • Higher savings limit: $9,950 for one person, $14,910 for a couple
  • Spend-down (deductible) available for people over the income limit
  • Help at home through the MI Choice waiver for people 65 and older who would otherwise need nursing-home care

Source: Michigan Department of Health and Human Services (source 1)

Good to know

  • People who get SSI are automatically eligible for Medicaid.

Source: Michigan Department of Health and Human Services (source 3)

Free help

Free help with this in Michigan

More help in Michigan

Medicaid for older adults in another state

Sources

  1. Michigan Department of Health and Human Services, RFT 242: AD-Care and Medicare Savings Program Income Limits (official government site). Checked Oct 28, 2026.
  2. Michigan Department of Health and Human Services, BEM 400: Assets (April 1, 2026) (official government site). Checked Oct 28, 2026.
  3. Michigan Department of Health and Human Services, Health Care Programs Eligibility (official government site). Checked Oct 28, 2026.
  4. KFF, Medicaid Eligibility Levels for Older Adults and People with Disabilities (Non-MAGI) in 2026. Checked Oct 28, 2026.

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