Medicaid and the Children’s Health Insurance Program (CHIP) provide free or low-cost health coverage to millions of Americans, including some low-income people, families and children, pregnant women, the elderly, and people with disabilities.
Some states have expanded their Medicaid programs to cover all people below certain income levels.
See if you qualify for Medicaid based on income alone
Find out if your state is expanding Medicaid and if you qualify based only on your income. We’ll also tell you if you qualify for savings on a health insurance plan instead.
Even if your state hasn't expanded Medicaid and you don’t qualify based on income alone, you should apply.
Each state has coverage options that could work for you – particularly if you have children, are pregnant, or have a disability.
There’s no limited enrollment period for Medicaid or CHIP. If you qualify, coverage can begin immediately, any time of year.
Note: Medicaid & CHIP program names vary. Learn what they’re called in your state.
Fill out an application through the Health Insurance Marketplace.
Start a Marketplace application. Just choose your state, click “Continue,” and select whether you want to use a quick Medicaid/CHIP screener or just start an application.
You can also apply directly to your state Medicaid agency. Select your state below for your Medicaid agency’s contact information.
Yes. If you have Medicaid or CHIP you don’t have to buy a Marketplace insurance plan. You don’t have to pay the fee that people without health coverage must pay. (Certain limited coverage Medicaid plans, like those that cover only family planning or outpatient hospital services, don’t qualify as coverage under the health care law.) Learn more about limited-coverage Medicaid programs.
Medicaid benefits are different in each state. But all states provide comprehensive coverage. See what services Medicaid offers in all states.
It depends on the state you live in.
Generally yes, as long as you qualify to use the Marketplace. Most people whose incomes are just above the level to qualify for Medicaid can pay very low premiums and out-of-pocket costs for private health insurance through the Marketplace. Find out if you’ll qualify for savings.
A Marketplace insurance plan would cost more than Medicaid and usually wouldn’t offer more coverage or benefits. If you qualify for Medicaid, you aren’t eligible for savings on Marketplace insurance. You’d have to pay full price for a plan.
Some limited types of Medicaid coverage pay only for:
If you have limited Medicaid coverage, you can fill out an application through the Health Insurance Marketplace and find out if you qualify for comprehensive coverage through either Medicaid or a Marketplace insurance plan with savings based on your income.
All states must offer former foster children uninterrupted Medicaid coverage until they turn 26, as long as at least one of the following is true:
These rules apply after January 1, 2014.
You may be able to buy a private health plan through the Marketplace instead. You may qualify for savings based on your income through a premium tax credit and savings on out-of-pocket costs. Many people can find plans for $75 or less per month.
Pick your state to start your application for health coverage.