Benefits
How to apply for Medicaid
Medicaid is free or low-cost health coverage for people with limited income. Eligibility and enrollment are managed by each state, but you can start the application at HealthCare.gov.
Medicaid is a joint federal-state program. Every state has different eligibility rules, income limits, and covered services. Some states expanded Medicaid under the ACA; others did not.
Last reviewed: June 5, 2026
Steps
Check if you might qualify
Medicaid eligibility is primarily based on income relative to the federal poverty level (FPL). In states that expanded Medicaid, adults with incomes up to 138% of the FPL qualify. Children, pregnant women, and people with disabilities may qualify at higher income levels. Non-citizens have limited Medicaid access depending on immigration status.
Tip: Even if you think you might not qualify, apply — states often have programs covering specific groups (children, pregnant women, disabled individuals) at higher income thresholds.
Apply through HealthCare.gov or your state's Medicaid office
At HealthCare.gov, completing an application automatically screens you for Medicaid eligibility. If you qualify, you'll be enrolled directly. You can also apply directly through your state's Medicaid agency website or at a local office.
Provide required information
You'll need to provide income information for everyone in your household, household size and composition, Social Security numbers, immigration status documentation if applicable, and proof of state residency.
Await a determination
States are required to process straightforward applications within 45 days (or 90 days for disability-based applications). Many states process applications more quickly. You'll receive a written notice of approval or denial.
Choose a health plan if required
Most states use managed care — meaning you choose a Medicaid health plan from a list of approved plans in your area. If you don't choose, one may be assigned to you.