Find out if Medicare will cover your premiums — free

The Medicare Savings Program (MSP) is a set of federal/state programs that help people with limited income pay for Medicare premiums, deductibles, and copays. There are three tiers: QMB (most comprehensive), SLMB, and QI.

In 2026, the federal QMB gross-income screening figures are $1,350/month for individuals and $1,824/month for married couples. Those figures include the usual $20 general income exclusion. Alaska, Hawaii, and states with expanded rules have different limits.

No. MSP benefits are not a loan. There is no repayment requirement. However, some states may have estate recovery policies for Medicaid costs unrelated to MSP.

Yes. MSP works with both Original Medicare and Medicare Advantage plans. QMB billing protections extend to Medicare Advantage as well.

Most states process MSP applications within 45 days. Once approved, benefits often begin retroactively to the month you applied.

MSP eligibility is re-evaluated annually. If your income rises above the limit at your next review, you may lose coverage. Report significant income changes to your state Medicaid office.

It depends on the state. Thirteen states and Washington, D.C. report no MSP asset test, including New York, Massachusetts, Oregon, and Washington. California still has an asset test, but its 2026 limits are much higher: $130,000 for an individual and $195,000 for a couple. The standard federal limits are $9,950 and $14,910. Your home, one vehicle, and personal belongings are generally excluded.

Yes. QMB enrollees automatically qualify for Extra Help (Low Income Subsidy), which can save $800+ per year on prescription drugs. SLMB and QI enrollees may also qualify for Extra Help separately.