Find out if Medicare will cover your premiums — free
The Medicare Savings Program helps 8 million Americans pay for Medicare. Millions more are eligible but do not know it. Check in 90 seconds.
No account required · Takes under 2 minutes · Updated for 2026
Three levels of savings — which tier fits you?
Depending on your income and state, you could qualify for QMB, SLMB, or QI — each covering different Medicare costs. Most people who qualify don't know it.
Up to $6,368/yr
Income up to $1,350/mo (single)
Covers Part A & B premiums, all deductibles, coinsurance, and copays. Automatically qualifies you for Extra Help on prescriptions.
$2,435/yr
Income up to $1,616/mo (single)
Covers your Part B premium ($202.90/month in 2026). Works with both Original Medicare and Medicare Advantage.
$2,435/yr
Income up to $1,820/mo (single)
Covers Part B premium. Slots are limited and reset each January — apply early for the best chance.
Frequently Asked Questions
What is the Medicare Savings Program?
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.
What is the QMB income limit in 2026?
In 2026, the QMB income limit is $1,350/month for individuals and $1,824/month for married couples (after the $20 general income disregard). Alaska and Hawaii have higher limits.
Do I have to pay back Medicare Savings Program benefits?
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.
Can I get MSP if I have a Medicare Advantage plan?
Yes. MSP works with both Original Medicare and Medicare Advantage plans. QMB billing protections extend to Medicare Advantage as well.
How long does it take to get approved for MSP?
Most states process MSP applications within 45 days. Once approved, benefits often begin retroactively to the month you applied.
What happens if my income increases after I am approved for MSP?
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.
Is there an asset limit for the Medicare Savings Program?
It depends on the state. About a dozen states — including California, New York, Massachusetts, and Washington — have eliminated the asset test entirely. In states that still have it, the 2026 limit is $9,950 for individuals and $14,910 for couples. Your home, one vehicle, and personal belongings are excluded.
Can I get MSP and Extra Help (Part D) at the same time?
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.
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