Income calculator — what programs do I qualify for?
Enter your gross income and household size. We'll show your % of the Federal Poverty Level and every WI / federal program threshold you cross or miss. Pure math, no account, no server round-trip.
MAGI rules of thumb: include wages, Social Security (taxable + non-taxable), pensions, SSDI, unemployment, self-employment net. Don't include SSI, child support, gifts, or VA benefits.
At $24,000/yr for a household of 1, against the 2026 FPL of $15,960/yr for that size.
Where you stand on the program thresholds
Sorted from lowest to highest threshold. Green = your income is at or below the limit. Red = above. The dollar amount in parens shows your distance from the threshold.
- 100%BadgerCare Plus (Adults 19–64)$8,040/yr over
WI's Medicaid for non-elderly adults. Wisconsin didn't expand under the ACA, so the ceiling stops at 100% FPL.
- 100%Medicare Savings Program — QMB$8,040/yr over
Pays Part B premium + Part A/B deductibles + coinsurance. Asset-tested.
- 120%Medicare Savings Program — SLMB$4,848/yr over
Pays Part B premium for 100–120% FPL households.
- 135%Medicare Savings Program — QI$2,454/yr over
Pays Part B premium for 120–135% FPL households.
- 138%ACA Marketplace expansion ceiling (most states)$1,975/yr over
What WI Medicaid would cover if WI had expanded. Adults 100–138% FPL fall into the WI coverage gap and get redirected to the Marketplace instead.
- 150%Extra Help / LIS (federal Part D subsidy)$60/yr over
Federal subsidy. Resource-tested (~$17,600 single / $35,130 couple). Eliminates Part D deductible, caps copays.
- 160%WI SeniorCare Level 1$1,536/yr below
$30/yr fee, no deductible, $5/$15 copays. The cheapest tier of WI's Rx assistance program for 65+.
- 200%BadgerCare Plus — Children (no premium)$7,920/yr below
Children under 19 qualify up to 300% FPL, but families above 200% FPL pay a sliding-scale premium per child.
- 200%WI SeniorCare Level 2a$7,920/yr below
$500 deductible, then $5/$15 copays.
- 240%WI SeniorCare Level 2b$14,304/yr below
$850 deductible, then $5/$15 copays.
- 250%Marketplace CSR (Cost-Sharing Reduction) ceiling$15,900/yr below
Silver-plan deductibles and copays drop substantially below 250% FPL. Above this, you still get APTC but lose CSR.
- 300%BadgerCare Plus — Children (with premium)$23,880/yr below
Children continuously eligible, sliding premium scale.
- 306%BadgerCare Plus — Pregnant residents$24,838/yr below
Plus 12 months continuous postpartum coverage.
- 400%ACA Marketplace subsidy cliff (post-IRA)$39,840/yr below
Above 400% FPL, no premium tax credit. Pre-2025 the IRA prevented this cliff; the enhanced subsidies expired Dec 31 2025.
FPL ≠ MAGI. The thresholds above use the Federal Poverty Level for your household size. The number that DHS / SSA actually calculates is your Modified Adjusted Gross Income (MAGI), which has small adjustments. For a one-person household at $1,200–$3,000/mo, FPL and MAGI are usually within 5% of each other — close enough to know which programs to apply for.
Asset tests apply too. QMB / SLMB / QI / EBD Medicaid all have asset limits (~$9,660 single / $14,470 couple for MSP in 2026; lower for EBD). LIS has its own resource test (~$17,600 / $35,130). Income alone doesn't guarantee eligibility.
Run the screener for a real check. Our WI Medicaid screener applies the bands we just listed plus the asset-test soft-down-grades to “need more info” so you don't get a false-positive.