New Mexico ADRC State Health Insurance Assistance Program (SHIP)
Free, unbiased Medicare counseling in New Mexico. Trained counselors go through your costs and choices with you, and they don't sell plans.
Medicare and health costs
New Mexico Medicaid in New Mexico
New Mexico Medicaid can pay health costs Medicare doesn't for people 65 and older. For older adults the income limit is the SSI amount ($994 a month for one person) with a $2,000 savings limit.
Nursing-home care and home-care waivers have a higher income limit of $2,982 a month.
How to apply in New Mexico
- By phone
- 1-800-283-4465
- In person
- At an Income Support Division (ISD) field office.
Applying is free. Nobody should charge you to apply.
Apply on the official siteWho may qualify in New Mexico
| One person | Married couple | |
|---|---|---|
| Income limit (2026) | $994 a month (the SSI amount, after disregards) | $1,491 a month (the SSI amount, after disregards) |
| Savings limit (2026) | $2,000 | $3,000 |
| Spend-down if your income is over the limit | No Source: KFF (source 3) |
|---|---|
| Income limit for nursing-home or home-care Medicaid (2026) | $2,982 a month, for institutional care and waivers; savings limit $2,000 |
| Medicaid for adults under 65 (expansion) | Yes: New Mexico expanded Medicaid to low-income adults under 65 Source: KFF (source 4) |
Good to know
- Nursing-home residents keep a personal needs allowance of $97 a month.
Free help
Free help with this in New Mexico
Aging and Long-Term Services Department (ALTSD)
Your local Area Agency on Aging can help with meals, rides, help at home, caregiver support and applying for benefits.
More help in New Mexico
Medicaid for older adults in another state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Sources
- New Mexico Health Care Authority, MAD 029: Aged, Blind and Disabled Medicaid Programs, Federal Poverty Levels (revised 04/01/2026) (official government site). Checked Oct 28, 2026.
- New Mexico Health Care Authority, Apply For Benefits (official government site). Checked Oct 28, 2026.
- KFF, Medicaid Eligibility Levels for Older Adults and People with Disabilities (Non-MAGI) in 2026. Checked Oct 28, 2026.
- KFF, Status of State Medicaid Expansion Decisions. Checked Oct 28, 2026.
Was this page helpful?
Report an error on this page
Newsletter
Get an email when the rules change
Benefit figures, deadlines and rules change every year. We'll tell you what changed and what to check, about twice a month.
- Free, about twice a month
- One-click unsubscribe in every email
- We never sell or share your email