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 in your state based on income alone
Find out if your state is expanding Medicaid and if you qualify based only on your household 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 to see if you qualify.
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 either Medicaid or CHIP. If you qualify, your coverage can begin immediately, any time of year.
You can apply for Medicaid and CHIP 2 ways:
Fill out an insurance application through the Health Insurance Marketplace. If it looks like anyone in your household qualifies for Medicaid or CHIP, we’ll send your information to your state agency. They’ll contact you about enrollment. When you submit your Marketplace application, you’ll also find out if you qualify for an individual insurance plan with savings based on your income instead.
To apply, visit this page, select the button reading “Find out if you’re eligible for Medicaid or CHIP,” and answer a few questions. We’ll show you your next steps. Or you can just start an application on the same page by selecting the bottom button reading “Start a Marketplace application.”
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 uninsured people whose incomes are too high for Medicaid can save on private health insurance through the Marketplace. Savings depends on your household size and income.
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.
Pick your state to start your application for health coverage.