CT HUSKY D Income Limits by Household Size: No Asset Test

To qualify for HUSKY D in Connecticut, your income must fall below 138% of the federal poverty level, and the CT HUSKY D income limits by household size start at $22,025 a year for one person and rise with each additional member of your household. HUSKY D is Medicaid coverage for low-income adults aged 19 through 64 who have no dependent children, and there is no monthly premium.1CT.gov. Connecticut HUSKY Health Program Annual Income Guidelines – March 1, 2026

2026 Income Limits by Household Size

Connecticut updates its HUSKY D thresholds every March 1 to reflect the new federal poverty guidelines. The limits in effect from March 1, 2026 are:1CT.gov. Connecticut HUSKY Health Program Annual Income Guidelines – March 1, 2026

  • 1 person: under $22,025 per year (about $1,835 per month)
  • 2 people: under $29,863 per year (about $2,489 per month)
  • 3 people: under $37,702 per year (about $3,142 per month)
  • 4 people: under $45,540 per year (about $3,795 per month)

These figures sit at 138% of the 2026 federal poverty level.2U.S. Department of Health and Human Services. 2026 Poverty Guidelines – Detailed The Affordable Care Act technically set the Medicaid expansion cutoff at 133% of poverty, but a built-in 5% income disregard raises the effective limit to 138%.3Medicaid.gov. MAGI Conversion – 5% Disregard You don’t need to do that math. If your income lands between 133% and 138%, the state applies the disregard for you and you still qualify.

How Your Income Is Counted

Connecticut uses Modified Adjusted Gross Income (MAGI) to decide whether you fall under the limit. MAGI is a federal standard that starts with the adjusted gross income on your tax return.

What Counts

Most taxable income, and some non-taxable income, goes into the calculation:4Medicaid.gov. Building MAGI Knowledge Part 2 – Income Counting

  • Gross wages and salary, before taxes
  • Self-employment income (net of business expenses)
  • Social Security benefits, both the taxable and non-taxable portions
  • Unemployment benefits
  • Retirement income, including pensions and IRA distributions
  • Investment income: interest, dividends, capital gains, and rental profits
  • Alimony, but only from divorce agreements finalized before 2019

What Does Not Count

Several common income sources are excluded entirely:4Medicaid.gov. Building MAGI Knowledge Part 2 – Income Counting

  • Supplemental Security Income (SSI)
  • Child support received
  • Veterans benefits
  • Workers’ compensation
  • TANF and other government cash assistance
  • Gifts, loans, and inheritances

The SSI exclusion is the one that comes up most often. If you receive both Social Security retirement benefits and SSI, only the retirement benefits are counted against the limit.

No Asset Test

HUSKY D ignores your bank accounts, home equity, vehicles, and other assets. Federal rules prohibit asset testing for any Medicaid category that uses MAGI.5Medicaid.gov. Eligibility Policy You could have substantial savings and still qualify, as long as your income is under the limit.

How Household Size Is Determined

Household size matters because each extra person raises the income cutoff by thousands of dollars a year. For MAGI purposes, your household is based on your federal tax return. If you file taxes, it includes you, your spouse (if you file jointly), and anyone you claim as a tax dependent. If you don’t file, the state looks at who lives with you and who claims you.

Other Eligibility Rules Besides Income

Falling under the income limit is necessary but not sufficient. You also have to meet each of these:6CT.gov. How to Qualify – Section: HUSKY D

  • Age 19 through your 65th birthday
  • Connecticut resident
  • No dependent children in your household
  • U.S. citizen or a qualified immigrant who has lived in the United States for at least five years
  • Not enrolled in Medicare
  • Not pregnant (pregnant individuals qualify under a separate Medicaid category)
  • Not eligible for HUSKY A

The dependent-children rule is the one applicants misread most often. If you are raising a child under 19 in your household, you generally belong in HUSKY A, which covers parents and caregivers, regardless of your income. HUSKY D is specifically for adults without dependent children.

If Your Income Is Close to the Limit

Household finances change, and the HUSKY D rules give you some breathing room on both sides.

A pay bump doesn’t automatically cost you coverage. Your income has to actually cross the threshold for your household size before you lose eligibility, and the state will reassess rather than drop you on the spot. If your income does rise above the HUSKY D cutoff, you may qualify for subsidized private insurance through Access Health CT. Reporting the change promptly, through your Access Health CT account or by phone, is what keeps a gap from opening up.

You should also report other significant changes between renewals: job loss, a new household member, a move, pregnancy, or an offer of other health coverage. Each of these can affect either your income or your household size, and therefore your limit.

Once a year, Connecticut has to redetermine your eligibility.7Medicaid.gov. Implementation of Eligibility Redeterminations – Section 71107 The state first tries to confirm your continued eligibility through tax and wage data. If it can, your coverage renews automatically. If it can’t, the Department of Social Services mails you a prepopulated renewal form, and you get at least 30 days to return it. Ignoring that form is the most common reason people lose coverage they still qualify for.

How to Apply

Once you’ve checked your income against the limit for your household size, you can submit an application in several ways:

  • Online through Access Health CT at accesshealthct.com
  • By phone at 1-855-805-4325 (TTY: 1-855-789-2428)
  • In person at a Department of Social Services regional office or an Access Health CT navigator location
  • By mail to Access Health CT, P.O. Box 670, Manchester, CT 06045-0670

Have the following ready for each person in your household: full legal name, date of birth, Social Security number if you have one, tax filing status, income documents such as recent pay stubs or your most recent tax return, and your Connecticut address.8Access Health CT. Get Help with Your Health Insurance Federal rules give states up to 45 days to process a Medicaid application, though online and phone applications generally move faster than that, with many finished within a week when the paperwork is complete.7Medicaid.gov. Implementation of Eligibility Redeterminations – Section 71107