Medicare Savings Programs (QMB, SLMB, QI): 2026 Limits Explained
The Medicare Savings Programs pay your Part B premium — and QMB also covers deductibles and copays. Here are the 2026 income limits and how to apply in your state.
The Medicare Savings Programs (MSPs) are state-run programs that help pay your Medicare costs. There are three, based on income.
QMB — Qualified Medicare Beneficiary
QMB pays your Part B premium ($202.90/month in 2026) and your Medicare deductibles, coinsurance, and copays. 2026 income limit: about $1,350/month (single) or $1,824 (married).
SLMB and QI
SLMB and QI both pay your Part B premium — about $2,435 a year back in your pocket. Income limits run to roughly $1,616 (SLMB) and $1,816 (QI) for a single person. QI is first-come, first-served each year.
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, so only income counts there.
See what you qualify for — free, ~2 minutes
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What do the Medicare Savings Programs pay for?
All three 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). Limits are higher for couples and in several states, so apply even if you're a little over.
Updated July 2026. Sources: Medicare.gov, SSA, CMS (2026). Estimates — verify with SSA and your state.