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 13 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 13 states plus D.C. have no asset test at all.
Sources: Medicare.gov, SSA POMS, CMS (2026). Estimates, verify with your state Medicaid office.