Medicare Savings Programs & Extra Help in Massachusetts
Higher income limits: Massachusetts sets Medicare Savings Program income limits above the federal minimums, so you may qualify even above the amounts below.
2026 Medicare Savings Program limits in Massachusetts
| 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 | $1,816 | $2,455 |
Massachusetts has no asset test. Your savings don't count for the Medicare Savings Programs, only your income matters.
Massachusetts also runs a State Pharmaceutical Assistance Program (SPAP) that can lower prescription costs further, even if you don't get Extra Help.
Extra Help in Massachusetts
Extra Help (the Part D Low-Income Subsidy) lowers prescription costs to a $0 premium and $0 deductible, worth about $5,700 a year. 2026 income limits are about $23,940 (single) / $32,460 (married), with savings under $18,090 / $36,100. Joining any Savings Program above qualifies you for Extra Help automatically.
How to apply in Massachusetts
Extra Help: free with Social Security at ssa.gov/extrahelp or 1-800-772-1213. Medicare Savings Programs: through Massachusetts's Medicaid office.
Free local help: Massachusetts SHINE offers free, unbiased Medicare counseling at 1-800-243-4636 (in-state), or call 1-800-MEDICARE from out of state.
Check your Massachusetts eligibility, free
Frequently asked questions
What are the Medicare Savings Program income limits in Massachusetts for 2026?
In Massachusetts for 2026, QMB is about $1,350/mo (single), SLMB $1,616, and QI $1,816. Massachusetts has no asset test, only income counts.
Does Massachusetts have an asset test for Medicare Savings Programs?
No. Massachusetts has eliminated the asset test, so only your income is counted.
Where can I get free help with Medicare in Massachusetts?
Massachusetts's SHIP (Massachusetts SHINE) gives free, unbiased Medicare counseling at 1-800-243-4636 (in-state), or 1-800-MEDICARE from out of state. You can also apply for the Medicare Savings Programs through Massachusetts's Medicaid office, and for Extra Help free through Social Security.
Sources: Medicare.gov, SSA POMS HI 00815.023, CMS (2026). Estimates, verify with SSA and Massachusetts Medicaid. MediNav is not the government.