Health Insurance
What is Medicaid and who qualifies?
Medicaid is a joint federal-state program that provides free or low-cost health coverage to people with limited income and resources. Eligibility varies by state. In states that expanded Medicaid under the ACA, adults with incomes up to 138% of the federal poverty level qualify. Medicaid covers: doctor visits, hospital stays, preventive care, mental health services, substance use treatment, and long-term care. Unlike Medicare, Medicaid has no premiums for most enrollees and minimal cost-sharing. If you qualify for both Medicare and Medicaid (dual eligible), Medicaid helps pay Medicare premiums and cost-sharing.
Key Points
- Medicaid provides free or low-cost coverage to people with limited income
- Eligibility varies by state — expansion states cover adults up to 138% FPL
- Covers doctor visits, hospital stays, preventive care, mental health, long-term care
- No premiums for most enrollees; minimal cost-sharing
- Dual eligible (Medicare + Medicaid): Medicaid helps pay Medicare premiums and cost-sharing
- Apply through your state Medicaid agency or healthcare.gov