Medicare Savings Programs & Extra Help in New York
Higher income limits: New York 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 New York
| 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 |
New York has no asset test. Your savings don't count for the Medicare Savings Programs, only your income matters.
New York 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 New York
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 New York
Extra Help: free with Social Security at ssa.gov/extrahelp or 1-800-772-1213. Medicare Savings Programs: through New York's Medicaid office.
Free local help: New York HIICAP offers free, unbiased Medicare counseling at 1-800-701-0501.
Check your New York eligibility, free
Frequently asked questions
What are the Medicare Savings Program income limits in New York for 2026?
In New York for 2026, QMB is about $1,350/mo (single), SLMB $1,616, and QI $1,816. New York has no asset test, only income counts.
Does New York have an asset test for Medicare Savings Programs?
No. New York has eliminated the asset test, so only your income is counted.
Where can I get free help with Medicare in New York?
New York's SHIP (New York HIICAP) gives free, unbiased Medicare counseling at 1-800-701-0501. You can also apply for the Medicare Savings Programs through New York'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 New York Medicaid. MediNav is not the government.