How to Qualify for Extra Help

The income and resource rules — and how to apply for the subsidy.

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Quick answer

To qualify for Medicare Extra Help in 2026, your income must generally be below 150% of the federal poverty level with limited resources. People with Medicaid, SSI, or a Medicare Savings Program qualify automatically. Apply free through Social Security, per SSA guidelines.

Qualifying for Extra Help comes down to income and resource limits. Here is who is eligible and how to apply for this valuable subsidy.

What are the income and resource limits?

To qualify for the full Extra Help subsidy, your income generally must be below 150% of the federal poverty level, with countable resources under set limits that the government adjusts annually. Resources include savings, investments, and real estate other than your home; they do not count your house, car, or personal belongings. As of 2024, the program was expanded so the full subsidy reaches more people. Because limits change each year and counting rules can be tricky, it is worth applying even if you are unsure. Call 1-800-MEDIGAP and we will help you check.

Who qualifies automatically?

You automatically qualify for Extra Help — no application needed — if you have full Medicaid, get Supplemental Security Income (SSI), or are enrolled in a Medicare Savings Program. These are called deemed-eligible groups, and Social Security mails you a notice confirming it. Everyone else must apply and report income and resources. Even if you were denied before, it is worth reapplying after the eligibility expansion. To confirm whether you already qualify automatically or should apply, a licensed agent at 1-800-MEDIGAP can review your situation at no cost.

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Frequently asked questions

What are the income limits for Extra Help?+

To qualify for the full Extra Help subsidy in 2026, your income generally must be below 150% of the federal poverty level, with limited countable resources. Exact dollar limits adjust each year. Even if you are close, it is worth applying — call 1-800-MEDIGAP to check.

What counts as a resource for Extra Help?+

Countable resources include money in checking and savings accounts, stocks, bonds, and real estate other than your primary home. Your house, one car, personal belongings, and life insurance generally do not count. Resource limits are set annually by the government.

Who automatically qualifies for Extra Help?+

People with full Medicaid, Supplemental Security Income (SSI), or a Medicare Savings Program automatically qualify for Extra Help without applying. Social Security sends a notice confirming it. Everyone else must apply and report income and resources to be considered.

Should I reapply if I was denied before?+

Yes. The Extra Help program was expanded so the full subsidy now reaches more people. If you were denied in the past, your circumstances or the limits may have changed. Reapplying is free. Call 1-800-MEDIGAP for help submitting a new application.

How do I apply for Extra Help?+

Apply through the Social Security Administration online, by phone, or in person at no cost. You report your income and resources, and Social Security determines eligibility. A licensed agent at 1-800-MEDIGAP can guide you through the application step by step.

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