QI — Qualifying Individual
The QI program (Qualifying Individual) pays your Medicare Part B premium, just like SLMB. The difference: QI has a higher income limit and is funded by a limited annual federal budget. QI slots reset every January 1 and can run out mid-year — apply as early in the year as possible.
Apply early — QI slots are first-come, first-served
Unlike QMB and SLMB, the QI program is funded by a capped federal block grant. Each state receives a fixed amount. When the allocation runs out, no new enrollments are accepted until January 1 of the next year. Apply as close to January 1 as possible for the best chance.
2026 QI Income Limits
| Household size | Monthly limit |
|---|---|
| Individual | $1,820/mo |
| Married couple | $2,462/mo |
What QI Covers
- ✓ Medicare Part B premium ($202.90/month in 2026)
QI does not cover deductibles, coinsurance, or copays (QMB only). QI also does not automatically qualify you for Extra Help — you may apply separately through the Social Security Administration.
The Annual Reset — Why January Matters
QI enrollment is renewed each calendar year. If you are currently enrolled in QI, you must re-apply each year to maintain your benefits. If you were denied mid-year because funds ran out, reapply on or after January 1 — you will be given priority over new applicants if you were enrolled in the prior year.
How to Apply for QI
Apply through your state Medicaid office. Many states use the same application form for all MSP tiers (QMB, SLMB, QI). The state will determine which tier you qualify for based on your income.
You can also get free help from a SHIP (State Health Insurance Assistance Program) counselor, available in every state at no cost.
Find a Free SHIP Counselor →Check if you qualify for QI, SLMB, or QMB
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