See if you qualify for help with your prescription costs.
Millions of people who qualify for Medicare’s Extra Help never sign up. This free check compares your situation to the 2026 limits and your state’s Medicare Savings Program — and shows you the next step. It runs on your device; nothing is logged.
Free · No email or sign-up · Cited to CMS & SSA · Not affiliated with the government
- Runs on your device — nothing logged
- 2026 limits, cited to CMS & SSA
- No sales pitch, no broker funnel
The 2026 numbers, in plain terms
- Income limit (single)
- $23,475/yr
- Income limit (couple)
- $31,725/yr
- Resource limit (single)
- $18,090
- Generic drug copay
- $5.10 max
- Brand-name copay
- $12.65 max
150% of the Federal Poverty Level. Limits are higher in Alaska & Hawaii and many states allow more. Source: CMS CY2026 LIS memo + SSA Pub. 05-10508.
- 2026 limits verified to CMS & SSA
- Free SHIP counselor on every page
- Every figure cited to its source
- No email · No sign-up · No data logged
- Full subsidy only in 2026
- All 50 states + DC
The eligibility check
Find out where you stand in a few minutes
Answer a few plain questions. We'll estimate your Extra Help tier and flag whether your state's Medicare Savings Program could still cover you.
This runs on your device. Your income and savings are never sent to us, stored, or logged.
How it works
Simple, private, and pointed at the free path
No account, no upsell. We surface your free state counselor before any paid option — always.
Tell us your household
Single or married, and whether you're already on Medicaid, SSI, or a Medicare Savings Program.
Enter income & savings
A few plain fields. It runs on your device — nothing is sent to us, stored, or logged.
See your likely tier
Full Extra Help, borderline, your state's program, or above the line — with the 2026 limits shown.
Take the next step
Apply with SSA, or talk to your free SHIP counselor. We always point to the free path first.
Navigating Medicare is genuinely hard — not because you’re confused.
We treat you as an adult. Plain language, real numbers, the statute behind each one, and the free help you’re entitled to.
Your state matters
Medicare Savings Programs vary by state
Some states ignore savings entirely; some set higher income limits. Find yours — and remember: qualifying for a Medicare Savings Program automatically gives you full Extra Help.
- ALNo asset test
Alabama
- AKHigher limits
Alaska
- AZFederal baseline
Arizona
- ARFederal baseline
Arkansas
- CANo asset test
California
- COFederal baseline
Colorado
- CTHigher limits
Connecticut
- DEFederal baseline
Delaware
- DCHigher limits
District of Columbia
- FLFederal baseline
Florida
- GAFederal baseline
Georgia
- HIHigher limits
Hawaii
- IDFederal baseline
Idaho
- ILNo asset test
Illinois
- INFederal baseline
Indiana
- IAFederal baseline
Iowa
- KSFederal baseline
Kansas
- KYFederal baseline
Kentucky
- LAFederal baseline
Louisiana
- MEHigher limits
Maine
- MDFederal baseline
Maryland
- MAHigher limits
Massachusetts
- MIFederal baseline
Michigan
- MNHigher limits
Minnesota
- MSNo asset test
Mississippi
- MOFederal baseline
Missouri
- MTFederal baseline
Montana
- NEFederal baseline
Nebraska
- NVFederal baseline
Nevada
- NHFederal baseline
New Hampshire
- NJHigher limits
New Jersey
- NMFederal baseline
New Mexico
- NYNo asset test
New York
- NCFederal baseline
North Carolina
- NDFederal baseline
North Dakota
- OHFederal baseline
Ohio
- OKFederal baseline
Oklahoma
- ORNo asset test
Oregon
- PAFederal baseline
Pennsylvania
- RIFederal baseline
Rhode Island
- SCFederal baseline
South Carolina
- SDFederal baseline
South Dakota
- TNFederal baseline
Tennessee
- TXFederal baseline
Texas
- UTFederal baseline
Utah
- VTHigher limits
Vermont
- VAFederal baseline
Virginia
- WAFederal baseline
Washington
- WVFederal baseline
West Virginia
- WIFederal baseline
Wisconsin
- WYFederal baseline
Wyoming
Categories describe how each state runs its programs — not “good vs. bad.” A federal-baseline state simply follows the national floor; read its page for the current figures.
Learn
Understand the program before you apply
What Extra Help is
The federal Low-Income Subsidy waives your Part D premium and deductible and caps drug copays. Who qualifies, what it covers, how to apply.
Medicare Savings Programs
QMB, SLMB, QI, and QDWI — the state programs that pay your Medicare premiums. Enrolling in one automatically qualifies you for full Extra Help.
Already on Medicaid?
If you have Medicaid, SSI, or an MSP, you're auto-enrolled in full Extra Help. Many people don't realize they already qualify.
What counts (and what doesn't)
The $20 income disregard, the home and one-car exclusions, the burial set-aside — the rules that decide your countable totals.
The yearly review
How redetermination works, what to send, and what to do if your income changed or a notice says your benefit is ending.
Your state's rules
Every state runs its Medicare Savings Programs differently — some ignore savings entirely. Find your state's limits and how to apply.
of the Federal Poverty Level is the 2026 Extra Help income line
Part D premium & deductible under full Extra Help (up to the benchmark)
states + DC covered, each with its own Medicare Savings Program
Figures cited to CMS and SSA; see our sources. Many who qualify never enroll — checking costs nothing.
2026 Extra Help resource limit (single, with burial set-aside)
$18,090
Common questions
Straight answers
It costs nothing to check
See if Extra Help can lower your prescription costs
A few plain questions, on your device. Then apply with SSA or talk to your free SHIP counselor.
Free · No email · Nothing logged · Not affiliated with the government