Note: Asset limits primarily apply to Aged, Blind, and Disabled (AABD) Medicaid. Most other programs (MAGI-based) do not have asset limits.
function calculateEligibility() {
var householdSize = parseFloat(document.getElementById('householdSize').value);
var monthlyGrossIncome = parseFloat(document.getElementById('monthlyGrossIncome').value);
var applicantAge = parseFloat(document.getElementById('applicantAge').value);
var isPregnant = document.getElementById('isPregnant').value;
var isDisabled = document.getElementById('isDisabled').value;
var totalAssets = parseFloat(document.getElementById('totalAssets').value);
var resultDiv = document.getElementById('medicaidResult');
// Input validation
if (isNaN(householdSize) || householdSize < 1) {
resultDiv.innerHTML = "Please enter a valid Household Size (at least 1).";
resultDiv.style.backgroundColor = '#f8d7da';
resultDiv.style.borderColor = '#f5c6cb';
resultDiv.style.color = '#721c24';
return;
}
if (isNaN(monthlyGrossIncome) || monthlyGrossIncome < 0) {
resultDiv.innerHTML = "Please enter a valid Total Monthly Gross Household Income (non-negative).";
resultDiv.style.backgroundColor = '#f8d7da';
resultDiv.style.borderColor = '#f5c6cb';
resultDiv.style.color = '#721c24';
return;
}
if (isNaN(applicantAge) || applicantAge < 0) {
resultDiv.innerHTML = "Please enter a valid Primary Applicant's Age (non-negative).";
resultDiv.style.backgroundColor = '#f8d7da';
resultDiv.style.borderColor = '#f5c6cb';
resultDiv.style.color = '#721c24';
return;
}
if (isNaN(totalAssets) || totalAssets < 0) {
resultDiv.innerHTML = "Please enter valid Total Countable Household Assets (non-negative).";
resultDiv.style.backgroundColor = '#f8d7da';
resultDiv.style.borderColor = '#f5c6cb';
resultDiv.style.color = '#721c24';
return;
}
// Approximate 2024 Federal Poverty Level (FPL) 138% monthly income limits for MAGI-based Medicaid in Illinois
// These are general guidelines and can change.
var fpl138Limits = {
1: 1732,
2: 2351,
3: 2970,
4: 3588,
5: 4207,
6: 4826,
7: 5445,
8: 6064
};
var incomeLimit;
if (householdSize 8, add approx $619 per additional person
incomeLimit = fpl138Limits[8] + (householdSize – 8) * 619;
}
var eligibilityMessage = "";
var isLikelyEligible = false;
var programType = "MAGI-based Medicaid (e.g., ACA Adult Group, FamilyCare)";
// MAGI-based income check
if (monthlyGrossIncome <= incomeLimit) {
isLikelyEligible = true;
eligibilityMessage += "Based on your household income and size, you are likely eligible for " + programType + ". Your monthly gross income of $" + monthlyGrossIncome.toFixed(2) + " is below the estimated monthly limit of $" + incomeLimit.toFixed(2) for your household size.";
} else {
eligibilityMessage += "Based on your household income and size, your income of $" + monthlyGrossIncome.toFixed(2) + " exceeds the estimated monthly limit of $" + incomeLimit.toFixed(2) for " + programType + ".";
}
// Special considerations
if (isPregnant === 'yes') {
eligibilityMessage += "Special Note for Pregnancy: Pregnant individuals often have higher income limits or specific Medicaid programs (e.g., Moms & Babies) that may offer eligibility even if you don't qualify under general MAGI rules. Please apply to confirm.";
isLikelyEligible = true; // Pregnancy often opens up eligibility
}
if (applicantAge >= 65 || isDisabled === 'yes') {
var aabdAssetLimitIndividual = 2000; // Example asset limit for AABD individual
var aabdAssetLimitCouple = 3000; // Example asset limit for AABD couple (simplified)
var currentAABDAssetLimit = (householdSize >= 2) ? aabdAssetLimitCouple : aabdAssetLimitIndividual;
eligibilityMessage += "Special Note for Aged, Blind, or Disabled (AABD) Medicaid: Since the primary applicant is " + (applicantAge >= 65 ? "aged 65 or older" : "") + (applicantAge >= 65 && isDisabled === 'yes' ? " and " : "") + (isDisabled === 'yes' ? "blind or disabled" : "") + ", you may be considered for AABD Medicaid.";
eligibilityMessage += "For AABD, asset limits apply. Your total countable assets are $" + totalAssets.toFixed(2) + ". The estimated asset limit for AABD is around $" + currentAABDAssetLimit.toFixed(2) (for " + (householdSize >= 2 ? "a couple/household of 2+" : "an individual") + ").";
if (totalAssets <= currentAABDAssetLimit) {
eligibilityMessage += "Your assets are within the estimated AABD limits. You may be eligible for AABD Medicaid, though income limits for AABD can be different and more complex (e.g., spend-down options).";
isLikelyEligible = true; // AABD eligibility is a separate path
} else {
eligibilityMessage += "Your assets exceed the estimated AABD limits. This may affect your eligibility for AABD Medicaid.";
}
}
if (isLikelyEligible) {
resultDiv.innerHTML = "Likely Eligible!" + eligibilityMessage + "This is an estimate. You should apply through the Illinois Department of Healthcare and Family Services (HFS) or GetCoveredIllinois.com to confirm your eligibility.";
resultDiv.style.backgroundColor = '#e9f7ef';
resultDiv.style.borderColor = '#d4edda';
resultDiv.style.color = '#155724';
} else {
resultDiv.innerHTML = "Likely Not Eligible Based on Current Information." + eligibilityMessage + "This is an estimate. Eligibility rules are complex and depend on many factors. You may still qualify for other programs or have options. We recommend applying through the Illinois Department of Healthcare and Family Services (HFS) or GetCoveredIllinois.com to confirm your eligibility.";
resultDiv.style.backgroundColor = '#fff3cd';
resultDiv.style.borderColor = '#ffeeba';
resultDiv.style.color = '#856404';
}
}
// Initial calculation on page load (optional, but good for default values)
document.addEventListener('DOMContentLoaded', function() {
calculateEligibility();
});
Understanding Illinois Medicaid Eligibility
Medicaid in Illinois, administered by the Illinois Department of Healthcare and Family Services (HFS), provides comprehensive health coverage to millions of low-income adults, children, pregnant women, seniors, and people with disabilities. Navigating the eligibility requirements can be complex, as they depend on various factors including income, household size, age, disability status, and more.
Key Eligibility Factors
While the specific criteria can vary by program, the most common factors determining Illinois Medicaid eligibility include:
Household Income: This is often the primary factor. For many adults under 65, eligibility is based on Modified Adjusted Gross Income (MAGI) and is typically set at 138% of the Federal Poverty Level (FPL).
Household Size: The FPL income limits are directly tied to the number of people in your household.
Age: Individuals aged 65 or older may qualify for specific programs like Aid to the Aged, Blind, and Disabled (AABD) Medicaid, which has different rules.
Disability Status: Individuals who are blind or have a qualifying disability may also be eligible for AABD Medicaid.
Pregnancy: Pregnant individuals often have higher income thresholds or specific programs (e.g., Moms & Babies) designed to ensure access to prenatal and postnatal care.
Parental Status: Parents or caretaker relatives with dependent children may qualify for FamilyCare.
Assets: For MAGI-based Medicaid programs (most common for adults under 65), there are generally NO asset limits. However, for AABD Medicaid (for seniors, blind, or disabled individuals), asset limits DO apply.
MAGI vs. AABD Medicaid
It's important to understand the two main categories of Medicaid eligibility:
MAGI-Based Medicaid: This includes programs for adults (ACA Adult Group), children (All Kids), and families (FamilyCare). Eligibility is primarily based on household income relative to the Federal Poverty Level (FPL), and generally does not consider assets.
Aged, Blind, and Disabled (AABD) Medicaid: This program is for individuals who are 65 or older, blind, or have a qualifying disability. Unlike MAGI-based programs, AABD Medicaid has both income and asset limits. The income limits can be more complex, sometimes allowing for a "spend-down" process where medical expenses can reduce countable income.
How This Calculator Works
Our Illinois Medicaid Eligibility Calculator provides an estimate of your potential eligibility based on the information you provide. It primarily assesses your situation against the common MAGI-based income limits (138% of FPL) and also considers factors relevant to AABD Medicaid and pregnancy-related programs.
Example Scenario:
Household Size: 2 (e.g., an adult and one child)
Total Monthly Gross Household Income: $2,000
Primary Applicant's Age: 35
Is anyone in the household pregnant?: No
Is the primary applicant blind or disabled?: No
Total Countable Household Assets: $500
In this example, with a household income of $2,000, which is below the estimated 138% FPL monthly limit for a household of 2 (approx. $2,351), the calculator would likely indicate eligibility for MAGI-based Medicaid.
Another Example:
Household Size: 1
Total Monthly Gross Household Income: $1,500
Primary Applicant's Age: 70
Is anyone in the household pregnant?: No
Is the primary applicant blind or disabled?: Yes
Total Countable Household Assets: $1,500
In this case, even though the income is below the MAGI limit, the age and disability status, combined with assets below the AABD limit (approx. $2,000 for an individual), would suggest potential eligibility for AABD Medicaid.
Important Disclaimer
This calculator provides an estimate only and should not be considered a guarantee of eligibility. Illinois Medicaid rules are complex and subject to change. Many factors, including specific deductions, household composition nuances, and program-specific criteria, cannot be fully captured by a simple calculator.
To determine your official eligibility and apply for benefits, you must contact the Illinois Department of Healthcare and Family Services (HFS) directly or apply through GetCoveredIllinois.com.