Income Limits & Eligibility 2026: How to Qualify for Medicaid in Virginia
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Virginia’s Medicaid program, known as Cardinal Care, offers comprehensive medical, behavioral health, and long-term care services for eligible residents.
Understanding how to qualify for Medicaid in Virginia is essential for low-income individuals and families seeking affordable healthcare coverage.
This guide explains how to qualify for Medicaid in Virginia, income limits, eligibility categories, application methods, and additional benefits available, helping you navigate the process confidently and determine whether you or your household may qualify.
1. How to Qualify for Medicaid in Virginia
Virginia’s Medicaid income limits vary by household size and eligibility category (e.g., age, disability, or pregnancy).
Adults (Ages 19–64)
Eligibility for most adults 19-64 is based on 138% of the Federal Poverty Level (FPL).
2026 Income Guidelines as of January 13, 2026:
- 1 Person: $1,836/ month ($22,025 / year)
- 2 People: $2,489 / month ($29,864 / year)
- 3 People: $3,142 / month ($37,702 / year)
Children and Pregnant Individuals
These groups generally have higher income limits than other adults.
- Children (Medicaid for Children): Households with income up to $1,969 monthly for one person or $4,070 for a family of four.
- FAMIS (Children’s Health Insurance Program): Higher limits up to $2,727 monthly for one person or $5,638 for a family of four.
- Pregnant Individuals: Coverage is available for those with household incomes up to 148% of the FPL ($1,969 monthly for a single-person household)
Aged, Blind, or Disabled (ABD)
For individuals 65+, blind, or disabled, eligibility is based on 80% of the FPL and includes an asset limit.
- Single Person: $1,084 / month (Income) and $2,000 (Assets).
- Married Couple: $1,463 / month (Income) and $3,000 (Assets)
(Income limits reflect FPL plus the $20 unearned income disregard.)
2. How Do I Verify Medicaid Eligibility in Virginia?
You can verify Medicaid eligibility and apply for coverage in Virginia through three primary channels managed by the Department of Medical Assistance Services (DMAS).
Method 1: Apply Online (Fastest)
The most efficient way to apply or check current benefits is through the Virginia CommonHelp portal.
Users can create an account to submit new applications, renew existing benefits, or use the “Check My Benefits” tool for immediate status updates.
Alternatively, if you are unsure about qualifying for Medicaid versus private plans, you may use Virginia’s Insurance Marketplace to receive an automated eligibility decision.
Method 2: Apply by Phone
For personalized assistance, call the Cover Virginia Call Center.
Operators are available Monday through Friday from 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 12 p.m. to process applications or verify your status.
If you are applying for other benefits, such as SNAP, simultaneously, apply online at CommonHelp, or call the Virginia Department of Social Services Enterprise Call Center.
Method 3: Paper Application
You can download and print a Paper Application from the Cover Virginia website to submit by mail or in person. Completed forms should be delivered to your local Department of Social Services (DSS) office.
While this method is reliable, it typically takes longer to process than online or phone submissions due to mailing and manual data entry times.
3. Cardinal Care Benefits: More Than Just Doctor Visits
Virginia’s Medicaid program, branded as Cardinal Care, provides a broad range of healthcare services that extend well beyond routine physician appointments. Members have access to preventive care, including annual checkups, immunizations, screenings, and family planning services, to promote long-term health.
Cardinal Care also covers hospital services, prescription medications, mental health and substance use treatment, maternity and newborn care, pediatric services, and emergency care.
For individuals with chronic conditions or disabilities, coverage includes durable medical equipment, home health services, rehabilitation therapies, and, when medically necessary, long-term care or home- and community-based services.
Additionally, Cardinal Care integrates care coordination and case management to help members navigate complex medical needs, connect with community resources, and maintain continuity of care.
These comprehensive benefits ensure that Medicaid in Virginia supports both immediate medical needs and long-term wellness.
>>> Read more: Free Stuff with Medicaid: What You Can Get & How to Claim It
4. How to Get a Free Phone with Medicaid in Virginia
Virginia residents enrolled in Medicaid can receive a free phone in Virginia through the federal Lifeline Program.
But how?
Medicaid is a qualifying program for Lifeline. Virginia Medicaid recipients may be automatically eligible and can apply directly through participating wireless providers in Virginia, including AirTalk Wireless, to claim discounts on monthly phone bills and even a free smartphone.
Follow these steps to complete your application on AirTalk Wireless:
- Visit the AirTalk Wireless Application Portal to enter your ZIP code.
- Select your Lifeline plan with a free device included.
- Upload the proof of Medicaid participation.
- Once approved, your phone will be delivered to your address. Follow the included instructions to activate your free monthly service.
5. FAQs
1. Who is eligible for Medicaid in Virginia?
To qualify, you must be a Virginia resident and a U.S. citizen or legal resident. Eligibility generally covers adults aged 19–64 with low income, children under 19, pregnant individuals, and seniors 65 or older. People with disabilities or those living in nursing facilities also frequently meet the requirements.
2. What are the 2026 Medicaid income limits for adults?
For adults aged 19–64, Virginia uses an income limit of 138% of the Federal Poverty Level. In 2026, a single person generally qualifies with a monthly income at or below $1,836, while a family of four must typically earn less than $3,795 per month to remain eligible for full coverage.
3. Can I get Medicaid in Virginia if I have a disability?
Yes. Individuals with disabilities may qualify for the Aged, Blind, or Disabled (ABD) program. The monthly income limit for a single ABD applicant is $1,084. If your income is higher, you may still qualify through a “spend-down” process.
4. How does Virginia Medicaid work for seniors needing long-term care?
Seniors aged 65+ requiring nursing home care or home-based services must meet specific medical and financial criteria.
>>> Read more: 5+ Best Free Tablets With Medicaid for Low-Income Households
Final Words
Knowing how to qualify for Medicaid in Virginia can open the door to comprehensive, affordable healthcare through Cardinal Care.
By understanding income limits, eligibility groups, and application options, you can take the right steps toward securing coverage for yourself or your family. Medicaid in Virginia is designed to provide not only medical treatment but also ongoing support for healthier, more stable lives.
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