Medicare Savings Programs are state-administered programs that help pay Medicare premiums, and in some cases deductibles and copays. Millions of seniors qualify but never apply — often because they think they earn too much. Here's how MSP actually works.
The Four MSP Programs
| Program | What It Covers | General Income Range |
|---|---|---|
| QMB | Part A & B premiums, deductibles, and copays | Up to ~100% FPL |
| SLMB | Part B premium only | 100–120% FPL |
| QI | Part B premium (limited slots) | 120–135% FPL |
| QDWI | Part A premium (disabled workers) | Up to 200% FPL |
FPL = Federal Poverty Level. Exact income limits vary by state and household size and update annually. Use the estimator for current 2026 figures.
Asset limits were eliminated for most MSP programs in 2024. Previously, savings and investments could disqualify you. Most states now only look at income — a major change that makes many more seniors eligible.
What Counts as Income for MSP?
Most income sources count: Social Security benefits, pension income, wages, investment income. However, certain deductions may apply — including medical expenses in some states. Even if your gross income seems high, your countable income for MSP purposes may be lower.
How to Apply
- Check eligibility using the Medicare Savings Estimator (takes 2 minutes)
- Contact your state Medicaid office — MSP is administered at the state level
- Gather documents: proof of income, Medicare card, and any medical expense receipts
- Submit your application online, by mail, or in person
- Enrollment is usually retroactive to the month you applied
Check Your MSP Eligibility Now
A 2-minute checkup that estimates your eligibility for programs that can eliminate your Part B premium.