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Oklahoma Benefits Calculator: SNAP, Medicaid, CHIP and Other Income Limits (2026–27)

Oklahoma benefit figures: $2,960 (SNAP gross income limit, 3 people, a month); $4,781 (Children’s Medicaid or CHIP limit, family of 3, a month); and a line of a single parent's money left each month at every level of pay, dropping where benefits end
In Oklahoma, SNAP’s gross income limit for 3 people is $2,960 a month, and children keep Medicaid or CHIP up to $4,781 a month in a family of 3.

Work out your household in Oklahoma

Who lives with you
For housing help, which is set county by county.

Everyone who lives with you and shares meals.

A partner you are not married to goes in as another adult: they file their own tax return. If they are a parent of a child here, tick "Parent of a child here".

Children are worked out on their own: Medicaid and CHIP cover children at higher incomes than parents in most states (42 CFR 435.118), and an adult can apply for a child without applying for themselves (42 CFR 435.907).

Optional. For FDPIR, the USDA Foods program some Tribes run beside SNAP.

Money coming in

Before tax. Leave a box blank when there is none.

Bank accounts and cash, not your home or one car.

Have savings? SSI's limit is $2,000, or $3,000 for a couple (20 CFR 416.1205), but WIC has no savings test (7 CFR 246.7(c)).

Have a car? SSI leaves out one car used to get around (20 CFR 416.1218), and Medicaid that goes by income alone has no savings test (42 U.S.C. 1396a(e)(14)(C)).

Costs each month
The whole rent, even if a voucher pays part. In public housing, what you pay.
So you can work or study.
Counts only for people 60 or older or with a disability.

Own your home? The home you live in does not count for SNAP (7 CFR 273.8(e)(1)) or SSI (20 CFR 416.1212), and Medicaid for children, pregnant women, parents and adults under 65 that goes by income alone has no savings test (42 U.S.C. 1396a(e)(14)(C)).

What you have now

Programs you already get can have different rules for staying on them.

The second-lowest-cost silver plan for everyone here who needs coverage. HealthCare.gov's tax tool shows it for your ZIP code. With it, the marketplace tax credit shows in dollars.

Worked out in your browser. Nothing you type is sent or saved.

Your month

Start with your state

Then add who lives with you and the money coming in. Everything is worked out here in your browser; nothing you type is sent or saved.

Oklahoma income limits at a glance

Oklahoma: monthly income limits and amounts by household size (number of people across the top)
Program12345678
SNAPGross income limit (130% of poverty)$1,729$2,345$2,960$3,575$4,191$4,806$5,421$6,037
SNAPMost SNAP a month$306$562$808$1,023$1,217$1,463$1,616$1,841
MedicaidAdults 19 to 64 (138% of poverty)$1,835$2,489$3,142$3,795$4,448$5,101$5,755$6,408
MedicaidPregnant women (210% of poverty, counting the baby)$2,793$3,787$4,781$5,775$6,769$7,763$8,757$9,751
Medicaid and CHIPChildren 6 to 18 (210% of poverty)$2,793$3,787$4,781$5,775$6,769$7,763$8,757$9,751
WICIncome limit (185% of poverty)$2,461$3,337$4,212$5,088$5,964$6,839$7,715$8,591
School mealsFree meals (130% of poverty)$1,729$2,345$2,960$3,575$4,191$4,806$5,421$6,037
Child care helpIncome limit to start–$4,649$5,743$6,837$7,931$9,025$9,230$9,436
Child care helpIncome limit to keep it–$4,649$5,743$6,837$7,931$9,025$9,230$9,436

Income is before taxes. Each program counts income its own way (some take off deductions first), so a household just over a limit here can still qualify: the calculator works it out properly.

Sources: SNAP – Fiscal Year 2027 Cost-of-Living Adjustments (memo and tables, signed August 21, 2026) (USDA Food and Nutrition Administration (formerly Food and Nutrition Service)); 7 CFR 273.9 Income and deductions (eCFR up to date as of 2026-10-29) (eCFR / National Archives (USDA rule)); 7 CFR 273.10 Determining household eligibility and benefit levels (eCFR 2026-10-29) (eCFR / National Archives (USDA rule)); 7 CFR 273.8 Resource eligibility standards (eCFR 2026-10-29) (eCFR / National Archives (USDA rule)); Public Law 119-21 (the "One Big Beautiful Bill Act"), 4 July 2025, Title I Subtitle A "Nutrition", sections 10101-10108 (139 Stat. 81-85) (U.S. Government Publishing Office (govinfo)); Appendix C-3: Maximum Food Benefit Allotments and Standards for Income and Deductions (dated 10/1/2026) (Oklahoma Department of Human Services (OKDHS)); Supplemental Nutrition Assistance Program (SNAP) - Oklahoma Human Services (Oklahoma Department of Human Services (OKDHS)); MACStats Exhibit 35. Medicaid and CHIP Income Eligibility Levels as a Percentage of the Federal Poverty Level for Children and Pregnant Women by State, July 2025 (Medicaid and CHIP Payment and Access Commission (MACPAC), a federal agency); MACStats Exhibit 36. Medicaid Income Eligibility Levels as a Percentage of the Federal Poverty Level for Non-Aged, Non-Disabled, Non-Pregnant Adults by State, July 2025 (Medicaid and CHIP Payment and Access Commission (MACPAC), a federal agency); Work Requirements (OHCA) (State of Oklahoma site (oklahoma.gov)); 2026 SoonerCare 1115 Demonstration Special Terms and Conditions (approved Aug 28, 2026; period Jan 1, 2027 - Dec 31, 2031) (State of Oklahoma site (oklahoma.gov)); OAC 317:35-5-9 Determining the categorical relationship to expansion adults [Revised 09-12-22] (State of Oklahoma site (oklahoma.gov)); SoonerCare and Insure Oklahoma Income Guidelines - 2026 (effective 4/1/2026) (State of Oklahoma site (oklahoma.gov)); Work Requirements (OHCA) (State of Oklahoma site (oklahoma.gov)); Work Requirements (OHCA) (State of Oklahoma site (oklahoma.gov)); Medicaid Program; Community Engagement Requirement for Certain Individuals, interim final rule with comment period, 91 FR 33348 (3 June 2026), CMS-2454-IFC, RIN 0938-AV98, effective 31 July 2026 (Centers for Medicare & Medicaid Services via the Federal Register (read as the govinfo.gov PDF)); Public Law 119-21 (4 July 2025; 'One Big Beautiful Bill Act'; CMS now calls it the 'Working Families Tax Cut' legislation), Title VII Subtitle B Chapter 1 sections 71101-71121 (Medicaid) and 71201, 71301-71303 (U.S. Congress via the Government Publishing Office); Special Supplemental Nutrition Program for Women, Infants, and Children (WIC): 2026/2027 Income Eligibility Guidelines (91 FR 23050-23052, FR Doc. 2026-08323, 29 Apr 2026) (USDA Food and Nutrition Service (Federal Register notice)); The Food and Nutrition Assistance Landscape: Fiscal Year 2025 Annual Report (Economic Information Bulletin 304, June 2026) (USDA Economic Research Service); Child Nutrition Programs: Income Eligibility Guidelines (91 FR 17932-17935, FR Doc. 2026-06842, 9 Apr 2026) (USDA Food and Nutrition Service (Federal Register notice)); Child Care Eligibility/Copayment Chart, Appendix C-4, 10/1/2026 (Oklahoma Human Services (OKDHS)); Child Care Subsidy (program page) (OKDHS); ACF-118 CCDF Plan FFY 2025-2027 for Oklahoma (OKDHS); 45 CFR 98.20(a)(2)(i), 98.21(b), 98.45(l) (eCFR current as of 2026-10-29) (eCFR). Checked October 31, 2026.

Download every state's limits (CSV, opens in Excel) Every state and DC, households of 1 to 8 people: each program's monthly income limit and the most TANF pays, as the state pages show them, with the period each figure is for.

Where the cliffs are for an Oklahoma family

Worked exampleA single parent with two children (ages 4 and 8), paying $1,100 rent, heating, and $700 a month for child care
$0$2k$4k$6k$0 pay$2k$4k$6k−$89/mo−$9/mo−$12/mo−$9/mo−$9/mo−$9/mo−$390/mo−$17/mo−$15/mo−$16/mo−$17/mo−$73/mo−$423/mo$0$2k$4k$6k$0 pay$2.5k$5k−$89/mo−$9/mo−$12/mo−$9/mo−$9/mo−$9/mo−$390/mo−$17/mo−$15/mo−$16/mo−$17/mo−$73/mo−$423/mo
  • $1,831 a month: Child care ends or drops, and the family has $89 less a month than just below it.
  • $1,911 a month: Child care ends or drops, and the family has $9 less a month than just below it.
  • $2,150 a month: Child care ends or drops, and the family has $12 less a month than just below it.
  • $2,389 a month: Child care ends or drops, and the family has $9 less a month than just below it.
  • $2,627 a month: Child care ends or drops, and the family has $9 less a month than just below it.
  • $2,866 a month: Child care ends or drops, and the family has $9 less a month than just below it.
  • $2,961 a month: SNAP ends or drops, and the family has $390 less a month than just below it.
  • $3,105 a month: Child care ends or drops, and the family has $17 less a month than just below it.
  • $3,344 a month: Child care ends or drops, and the family has $15 less a month than just below it.
  • $3,582 a month: Child care ends or drops, and the family has $16 less a month than just below it.
  • $3,821 a month: Child care ends or drops, and the family has $17 less a month than just below it.
  • $4,783 a month: WIC, Lifeline end or drop, and the family has $73 less a month than just below it.
  • $5,744 a month: Child care ends or drops, and the family has $423 less a month than just below it.

Worked out by this site's calculator with Oklahoma's rules as of November 1, 2026. Money left means pay, and benefits counted as money, after federal taxes, the child care bill and health insurance premiums. Your own household will differ: put it in the calculator above.

Each program in Oklahoma

SNAP

Oklahoma lets every household with gross income up to 130% of the poverty line (no limit on savings) apply (broad-based categorical eligibility). The amount still depends on income after deductions. A household that pays for heating or cooling counts a standard utility allowance of $426 a month with its rent. Where to apply.

Sources: Appendix C-3: Maximum Food Benefit Allotments and Standards for Income and Deductions (dated 10/1/2026) (Oklahoma Department of Human Services (OKDHS)); Supplemental Nutrition Assistance Program (SNAP) - Oklahoma Human Services (Oklahoma Department of Human Services (OKDHS)). Checked October 31, 2026.

SoonerCare and CHIP

Oklahoma has expanded Medicaid, so adults 19 to 64 qualify up to 138% of the poverty line. From January 1, 2027, adults 19 to 64 covered through Oklahoma’s Medicaid expansion must show 80 hours a month of work, community service, a work program or half-time school, or household income of at least $580 a month, to get or keep this coverage, unless they are exempt (for example, parents of a child 13 or under, people with a disability, and pregnant women). Where to apply.

SoonerCare and CHIP income limits in Oklahoma (as of October 2026)
Who% of poverty1 person2 people3 people4 people
Babies under 1210%$2,793$3,787$4,781$5,775
Children 1 to 5210%$2,793$3,787$4,781$5,775
Children 6 to 18210%$2,793$3,787$4,781$5,775
Pregnant women210%$2,793$3,787$4,781$5,775
Parents and caretakers138%$1,835$2,489$3,142$3,795
Other adults 19 to 64138%$1,835$2,489$3,142$3,795

Monthly income before taxes, counted the way Medicaid counts it (modified adjusted gross income); a pregnant woman counts the baby she expects. The percents include the 5 points of income Medicaid disregards.

Sources: MACStats Exhibit 35. Medicaid and CHIP Income Eligibility Levels as a Percentage of the Federal Poverty Level for Children and Pregnant Women by State, July 2025 (Medicaid and CHIP Payment and Access Commission (MACPAC), a federal agency); MACStats Exhibit 36. Medicaid Income Eligibility Levels as a Percentage of the Federal Poverty Level for Non-Aged, Non-Disabled, Non-Pregnant Adults by State, July 2025 (Medicaid and CHIP Payment and Access Commission (MACPAC), a federal agency); Work Requirements (OHCA) (State of Oklahoma site (oklahoma.gov)); 2026 SoonerCare 1115 Demonstration Special Terms and Conditions (approved Aug 28, 2026; period Jan 1, 2027 - Dec 31, 2031) (State of Oklahoma site (oklahoma.gov)); OAC 317:35-5-9 Determining the categorical relationship to expansion adults [Revised 09-12-22] (State of Oklahoma site (oklahoma.gov)); SoonerCare and Insure Oklahoma Income Guidelines - 2026 (effective 4/1/2026) (State of Oklahoma site (oklahoma.gov)); Work Requirements (OHCA) (State of Oklahoma site (oklahoma.gov)); Work Requirements (OHCA) (State of Oklahoma site (oklahoma.gov)); Medicaid Program; Community Engagement Requirement for Certain Individuals, interim final rule with comment period, 91 FR 33348 (3 June 2026), CMS-2454-IFC, RIN 0938-AV98, effective 31 July 2026 (Centers for Medicare & Medicaid Services via the Federal Register (read as the govinfo.gov PDF)); Public Law 119-21 (4 July 2025; 'One Big Beautiful Bill Act'; CMS now calls it the 'Working Families Tax Cut' legislation), Title VII Subtitle B Chapter 1 sections 71101-71121 (Medicaid) and 71201, 71301-71303 (U.S. Congress via the Government Publishing Office). Checked October 31, 2026.

Oklahoma Temporary Assistance for Needy Families

Cash help for families with children. Where to apply.

Source: TANF Programs by State (Help for Families map) (HHS/ACF/Office of Family Assistance). Checked October 31, 2026.

Child Care Subsidy

Help paying for child care while parents work or study. Where to apply.

Sources: Child Care Eligibility/Copayment Chart, Appendix C-4, 10/1/2026 (Oklahoma Human Services (OKDHS)); Child Care Subsidy (program page) (OKDHS); ACF-118 CCDF Plan FFY 2025-2027 for Oklahoma (OKDHS); 45 CFR 98.20(a)(2)(i), 98.21(b), 98.45(l) (eCFR current as of 2026-10-29) (eCFR). Checked October 31, 2026.

Phone numbers and where to go in Oklahoma

Each number and address below is the one Oklahoma's own page printed when we checked it, with that page and the day under it. Where we could not read the state's page, it says "Not checked yet". Numbers change: if one does not work, the state's main page has the current one.

Applying is free. Start from the addresses here or the state's own page, not an ad or a link someone texts you, and never pay anyone to apply for you. Is this real?

Start here

Oklahoma's benefits website

Online
OKDHSLive! okdhslive.orgOKDHSLive! (okdhslive.org) - Oklahoma Human Services benefits portalSource: oklahoma.gov, checked November 1, 2026
Call
(405) 522-5050 Benefits and Applications: help applying for benefits online1-866-411-18771-888-328-6551 EBT cardSource: oklahoma.gov, checked November 1, 2026

SNAP (food benefits)

Supplemental Nutrition Assistance Program (SNAP)

Oklahoma Human Services (OKDHS), through local Oklahoma Human Services Centers

Call
1-866-411-1877 Supplemental Nutrition Assistance Program (SNAP)(405) 522-5050 Benefits and Applications1-888-328-6551 EBT card: new card, balance, lost/stolenSource: oklahoma.gov, checked November 1, 2026
Apply
Where to apply okdhslive.orgSource: oklahoma.gov, checked November 1, 2026

Medicaid and CHIP

SoonerCare

Oklahoma Health Care Authority (OHCA) for children, pregnant women, parents and adults 19-64; Oklahoma Human Services (OHS/OKDHS) for people 65+, blind or disabled, in nursing homes, or needing help with Medicare costs

Call
1-800-987-7767 SoonerCare HelplineSource: oklahoma.gov, checked November 1, 2026
Apply
Where to apply apply.okhca.orgSource: oklahoma.gov, checked November 1, 2026

TANF cash help

Temporary Assistance for Needy Families (TANF)

Oklahoma Human Services (OKDHS), local Human Service Centers

Call
(405) 521-4391 TANF program contact (email TANF@okdhs.org)1-866-411-1877 TANF toll free(405) 522-5050 visit or call to applySource: oklahoma.gov, checked November 1, 2026
Apply
Where to apply okdhslive.orgSource: oklahoma.gov, checked November 1, 2026

WIC

Oklahoma WIC (Supplemental Nutrition Program for Women, Infants and Children)

Oklahoma State Department of Health, WIC Service

Call
(405) 426-8500 Oklahoma WIC state office(888) 655-2942 toll freeSource: oklahoma.gov, checked November 1, 2026
Apply
Where to apply osdhcfhs.az1.qualtrics.comSource: oklahoma.gov, checked November 1, 2026
Clinics
Find a WIC clinic oklahoma.govSource: oklahoma.gov, checked November 1, 2026

Child care help

Child Care Subsidy

Oklahoma Human Services (OKDHS), Child Care Services

Call
(405) 521-3431 Child Care Subsidy contact (email childcaresubsidy@okdhs.org)(405) 522-5050 visit a center or call to applySource: oklahoma.gov, checked November 1, 2026
Apply
Where to apply okdhslive.orgSource: oklahoma.gov, checked November 1, 2026
Open or closed
Only some families now Child Care Subsidy is currently under an enrollment freeze for children age 9 and older with exceptions for children in foster care, placed for adoption through OKDHS or federally recognized tribe, with disabilities, experiencing homelessness, or receiving TANF.While you wait, the calculator above shows what else your household can likely get now.Source: oklahoma.gov, checked November 1, 2026

Help with energy bills (LIHEAP)

Low-Income Home Energy Assistance Program (LIHEAP): Winter Heating, Summer Cooling and Energy Crisis Assistance Program (ECAP)

Oklahoma Human Services (OKDHS), LIHEAP

Call
405-522-5050 LIHEAP: life-threatening energy crisis requests (select the energy assistance options); LIHEAP voicemail1-866-411-1877Source: oklahoma.gov, checked November 1, 2026
Apply
Where to apply okdhslive.orgSource: oklahoma.gov, checked November 1, 2026
Open or closed
Not open yet The anticipated open enrollment dates for federal fiscal year 2027 are listed below ... Winter Heating – Tuesday, December 15, 2026While you wait, the calculator above shows what else your household can likely get now.Source: oklahoma.gov, checked November 1, 2026

Your benefits card (EBT)

EBT card (new chip-enabled SNAP EBT card, managed in ConnectEBT)

Call
1-888-328-6551 EBT customer service: new card, activate, PIN, balance, report lost/stolenSource: oklahoma.gov, checked November 1, 2026
Card account
The card's website connectebt.comSource: oklahoma.gov, checked November 1, 2026
Lost or stolen
Report it right away: log in to the ConnectEBT Client Portal or call 1-888-328-6551. If you report a card lost, stolen or damaged it is permanently turned off; order a new card (sent to the address on your account; check status in the app after 24 hours). If someone used your card without your OK use 'Report Stolen SNAP Benefits'. 'Stolen SNAP benefits cannot be reimbursed'.Source: oklahoma.gov, checked November 1, 2026

Keep your PIN to yourself and change it often. The federal program that paid back SNAP stolen by card skimming covered thefts only up to December 20, 2024 (Georgia DFCS), so lock your card in its app when you can and report a lost card at once. How to protect your card

How to ask for a hearing in Oklahoma

If you think a decision on your benefits is wrong, you can ask for a fair hearing: a meeting with someone outside the office that decided. Asking is free. Here is how Oklahoma says to ask, program by program.

Federal rules set the outer limits: a SNAP household can ask about anything the office did in the past 90 days (7 CFR 273.15), and for Medicaid a state must allow a reasonable time of up to 90 days from the day the notice was mailed (42 CFR 431.221), so a state can set a shorter Medicaid limit. Whether your benefits keep coming while you wait depends on how soon you ask: your notice says by when. Only the agency and the hearing officer decide your case.

SNAP

How to ask
Orally or in writing; contact the OKDHS office that took the action
Phone
use the OKDHS office that took the action
Who hears it
OKDHS Appeals Unit, requested through the OKDHS office that took the action
Deadline
Within 90 days after you have been notified of a decision with which you do not agree

Source: oklahoma.gov, checked November 1, 2026

Medicaid

How to ask
OHCA: complete and return form LD-1S 'Request for State Fair Hearing'; OKDHS-handled cases: through the OKDHS office that took the action
Phone
405-522-7217 (OHCA Grievance Docket Clerk)
Who hears it
Oklahoma Health Care Authority (OHCA) Grievance Docket Clerk, P.O. Drawer 18497, docketclerk@okhca.org, fax 405-530-3444 (form LD-1S); for OKDHS-handled medical assistance, the OKDHS Appeals Unit
Deadline
OHCA form LD-1S: 120 days from the date of the adverse benefit determination notice; OKDHS Pub. 05-40: 30 days for programs other than Food Stamps

Source: oklahoma.gov, checked November 1, 2026

TANF cash help

How to ask
Orally or in writing; contact the OKDHS office that took the action
Phone
use the OKDHS office that took the action
Who hears it
OKDHS Appeals Unit, requested through the OKDHS office that took the action
Deadline
Within 30 days after you have been notified of a decision with which you do not agree (programs other than Food Stamps)

Source: oklahoma.gov, checked November 1, 2026

Each state sets the days its SNAP benefits arrive. This is Oklahoma's rule as its own page states it; the exact day for your case is on your approval notice. SSI, Social Security and tax refund dates, and every state's SNAP rule, are on the payment dates page.

SNAP

Not checked yet Oklahoma's own page with its SNAP payment days could not be read, or it prints no rule. The day is on your approval notice; the state's EBT line can tell you too.

Free help from a person in Oklahoma

These are free. None of them can approve benefits, but they can help you apply, answer a letter or get ready for a hearing.

Any question

211

A free line run by more than 200 local groups across the country, such as United Ways.

Call
211 Free help finding local services, such as food, housing, bills and health careSource: 211.org, checked November 1, 2026

Medicare questions

Senior Health Insurance Counseling Program (SHIP)

Free, one-to-one help with Medicare from Oklahoma's State Health Insurance Assistance Program (SHIP).

Call
1-800-763-2828Source: shiphelp.org, checked November 1, 2026
Online
Its website map.oid.ok.gov

A denial, a cut, an eviction

Free legal aid

Legal aid groups in Oklahoma paid by the Legal Services Corporation, which Congress set up to fund civil legal help for people with low incomes.

Groups
Legal Aid Services of Oklahoma, Inc.; Oklahoma Indian Legal Services, Inc.Source: lsc.gov, checked November 1, 2026
Find yours
LSC's finder (type a city or address there) lsc.gov

Immigration questions

Free or low-cost immigration legal help

Nonprofit groups the Justice Department has recognized to give immigration legal help, with their accredited representatives. A notary public ("notario") is not a lawyer in the United States and cannot represent you (USCIS).

The list
Recognized organizations by state justice.govOklahoma is under the heading OKLAHOMA, on pages 124–125; the list says it was updated October 25, 2026.Source: justice.gov, checked November 1, 2026

Taxes and tax credits

Free tax help (VITA and TCE)

IRS-trained volunteers prepare tax returns free for people who qualify, which matters for the EITC and the Child Tax Credit.

Call
800-906-9887 IRS: find the nearest VITA or TCE siteSource: irs.gov, checked November 1, 2026
Online
The IRS page with the site finder irs.gov

Updated

Where to go next