Eligibility for the Medicare Savings Program (MSP) will expand for New Yorkers in 2023. MSPs pay for your monthly Medicare Part B premium and may provide other cost assistance.

If you live in New York and have a limited income, you may be newly eligible to receive help with your health care costs through an MSP in 2023. If you are currently enrolled in the program, you may receive more benefits in 2023.

In 2022, individuals with incomes up to $1,549 per month and couples with incomes up to $2,080 per month (including a standard $20 disregard) are eligible for an MSP. There are no asset limits. There are currently three MSPs, each with different income limits: Qualifying Individual (QI), Specified Low-Income Medicare Beneficiary (SLMB), and Qualified Medicare Beneficiary (QMB).

In 2023, the MSP income limits will be higher and instead of three MSPs there will be two: QI and QMB. The table below estimates the eligibility limits for the MSP and Medicaid in 2023.

2023 New York gross monthly income limits
Individuals Couples
QI $2,107 $2,839
QMB $1,563 $2,106

These estimates are based on the 2022 federal poverty level (FPL). In 2023, the QMB limit will increase from 100% FPL to 138% FPL. SLMB will be eliminated. QI will increase from 135% FPL to 186% FPL.

These limits have not been finalized because they rely on the federal poverty level (FPL), which has not yet been set for 2023. New York State will announce the expanded limits in January 2023.

Note: The income and asset limits for Medicaid are also increasing in 2023.

If you meet the income limits above, the Medicare Rights Center can help you apply for an MSP in 2023. Call 800-333-4114 for more information or to apply next year. If your income is close to the limit, it is often worth applying.