Health Insurance Information, Counseling and Assistance Program (HIICAP)
Free, unbiased Medicare counseling in New York. Trained counselors go through your costs and choices with you, and they don't sell plans.
Medicare and health costs
New York Medicaid in New York
New York Medicaid can pay a wide range of care for people 65 and older with Medicare, plus Medicare premiums, coinsurance and deductibles.
New York's limits are among the most generous: income up to 138% of the poverty level and savings up to $33,038 for one person in 2026. You apply through your local Department of Social Services, or the Human Resources Administration in New York City.
How to apply in New York
- By phone
- 1-800-541-2831
- In person
- At the Medicaid office of your local (county) Department of Social Services, or the Human Resources Administration (HRA) in New York City.
Who may qualify in New York
| One person | Married couple | |
|---|---|---|
| Income limit (2026) | $1,836 a month (138% of the poverty level), or $1,856 counting the $20 that isn't counted | $2,489 a month, or $2,509 counting the $20 that isn't counted |
| Savings limit (2026) | $33,038 | $44,796 |
| Spend-down if your income is over the limit | Yes: New York's medically needy program lets people over the income limit qualify by spending down Source: KFF (source 2) |
|---|---|
| Medicaid for adults under 65 (expansion) | Yes: New York expanded Medicaid to low-income adults under 65 Source: KFF (source 3) |
How New York is different
Where New York's rules differ from the federal rules for Medicaid for people with Medicare.
- Much higher income limit: 138% of the poverty level
- Much higher savings limit: $33,038 for one person, $44,796 for a couple
Free help
Free help with this in New York
New York State Office for the Aging (NYSOFA)
Your local Area Agency on Aging can help with meals, rides, help at home, caregiver support and applying for benefits.
More help in New York
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 Mexico
- 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 York State Department of Health, Medicare Savings Program 2026 (includes Full Medicaid for Dual Eligibles) (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.
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