Medicare Savings Programs (QMB, SLMB, QI)
| Program | Pays for | Single / mo | Married / mo |
|---|---|---|---|
| QMB | Part B premium + deductibles & copays | $1,350 | $1,824 |
| SLMB | Part B premium | $1,616 | $2,184 |
| QI | Part B premium (first-come each year) | $1,816 | $2,455 |
The asset test — and where there isn't one
The federal asset limit is $9,950 (single) / $14,910 (married), not counting your home and one car. But 14 states plus D.C. have eliminated the asset test entirely — there, only income counts.
How to apply
Apply through your state Medicaid office, or get free help from a SHIP counselor at 1-800-MEDICARE. Joining a Savings Program also enrolls you in Extra Help automatically.
Check your state's limits — free
See what you qualify for using your state's exact 2026 rules.
Find your state guide →Frequently asked questions
What do the Medicare Savings Programs pay for?
All three (QMB, SLMB, QI) pay your Part B premium. QMB additionally covers your Medicare deductibles, coinsurance, and copays.
What are the 2026 income limits?
Roughly $1,350/month for QMB, $1,616 for SLMB, and $1,816 for QI (single); higher for couples and in several states. Apply even if you're a little over.
Is there an asset test?
The federal limit is $9,950 (single) / $14,910 (married), not counting your home and one car. But 14 states plus D.C. have no asset test at all.
Sources: Medicare.gov, SSA POMS, CMS (2026). Estimates — verify with your state Medicaid office.