Medicare Savings Program in New Jersey — 2026 Guide
New Jersey 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 New Jersey
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
New Jersey applies an asset test. The 2026 limits are $9,950 for individuals and $14,910 for married couples.
Excluded: your primary home, one vehicle, household goods, and personal belongings.
Federal baseline income and asset limits apply.
How to Apply in New Jersey
MSP is administered by New Jersey's Medicaid office. 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 — New Jersey
What is the QMB income limit in New Jersey for 2026?
In 2026, the QMB income limit in New Jersey 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 New Jersey have an asset test for the Medicare Savings Program?
Yes. New Jersey has an asset test. The 2026 limits are $9,950 for individuals and $14,910 for married couples. Your home, one car, and personal belongings are excluded.
How do I apply for the Medicare Savings Program in New Jersey?
Apply through New Jersey's Medicaid office online at https://www.nj.gov/humanservices/dmahs/home/ or by calling 1-800-356-1561. Most states process applications within 45 days, and benefits are often retroactive to the month you applied.
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