Medicare Savings Program in California — 2026 Guide
California residents with limited income may qualify for QMB, SLMB, or QI — programs that pay your Medicare premiums and, in some cases, all cost-sharing. Check your eligibility in 90 seconds, free.
2026 Income Limits for California
Monthly gross income limits after the $20 general income disregard.
Individual
$1,350/mo
Married couple
$1,824/mo
Covers Part A & B premiums, all deductibles, coinsurance, and copays. Automatically qualifies you for Extra Help on prescriptions.
Individual
$1,616/mo
Married couple
$2,184/mo
Covers your Medicare Part B premium ($202.90/month in 2026).
Individual
$1,820/mo
Married couple
$2,462/mo
Covers the Part B premium. Slots are limited and reset each January — apply early.
Asset Test
California has eliminated the asset test. You will not be denied based on savings, investments, or property (other than income generated by them).
California (Medi-Cal) has no asset test. Federal income limits apply.
How to Apply in California
MSP is administered by California's Medicaid office (Medi-Cal). You can apply online or by phone. Most applications are processed within 45 days, and benefits are often retroactive to the month you applied.
Frequently Asked Questions — California
What is the QMB income limit in California for 2026?
In 2026, the QMB income limit in California is $1,350/month for individuals and $1,824/month for married couples. These figures are after the $20 general income disregard applied to unearned income first.
Does California have an asset test for the Medicare Savings Program?
No. California has eliminated the asset test for MSP eligibility. You will not be disqualified based on savings or property.
How do I apply for the Medicare Savings Program in California?
Apply through California's Medicaid office online at https://benefitscal.com/ or by calling 1-800-952-5253. Most states process applications within 45 days, and benefits are often retroactive to the month you applied.
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