Can you get Medicaid if your employer doesn't offer health insurance?

What are the four types of Medicaid?

Who gets denied Medicaid?

The most common reason an applicant is denied Medicaid is income or assets above the eligibility criteria. In most states in 2025, an applicant's monthly income must be less than $2,901/month, and their assets (including money in bank accounts) must be less than $2,000.

Does Medicaid actually check your income?

Some states use a computerized system to cross reference a Medicaid applicant's reported income. For instance, in California, an electronic database, the Income Eligibility Verification System (IEVS), is used to match the income information provided by the applicant to other databases to verify it is accurate.

What happens if you make too much money while on Medicaid?

If you're over the Medicaid income limit, some states let you spend down extra income or place it in a trust to help you qualify for Medicaid. If you receive long-term care but your spouse doesn't, Medicaid will allow your spouse to keep enough income to avoid living in poverty.

Can I sue my employer for not providing health insurance?

It has an obligation to honor that commitment, even though the law does not require it to provide health insurance. Otherwise, an employee can sue the employer to enforce the contract.

Are employers penalized for not offering health insurance?

The employer shared responsibility provision of the Affordable Care Act penalizes employers who either do not offer coverage or do not offer coverage that meets minimum value and affordability standards.

Can I lose my job due to health issues?

California laws protect you when you have a medical condition that impacts your ability to work. The California Fair Employment and Housing Act (FEHA) prohibits employer discrimination based on actual or perceived medical conditions, including firing and other adverse employment actions.

What if my job is not giving me health insurance?

If your employer doesn't offer you insurance coverage, you can fill out an application through the Marketplace. You'll find out if you qualify for: A health insurance plan with savings on your monthly premiums and out-of-pocket costs based on your household size and income.

Is Medicaid better than employer insurance?

Medicaid provides more comprehensive benefits than private insurance at significantly lower out-of-pocket cost to beneficiaries, but its lower payment rates to health care providers and lower administrative costs make the program very efficient.

Do you have to pay back Medicaid if you get a job?

After you start working, your Medicaid coverage can continue, even if your earnings (alone or in combination with your other income) become too high to receive SSI.

When should I tell Medicaid I got a job?

Then your financial obligation for your Medicaid plan may change too. Both of these things are why you should always report a change in income to Medicaid. And make sure to do it quickly—some states require that you report these changes within 10 days.

Does Medicaid go by monthly income?

Medicaid eligibility, however, is usually based on current monthly income. But for people with income that varies over the year, states must consider yearly income if the person wouldn't be eligible based on monthly income.

Why would I be ineligible for Medicaid?

Not Financially Eligible

An applicant must meet the Medicaid resource and income limits and guidelines set by their state. Resources and income above the state limits may disqualify the applicant.

Why can't everyone get Medicaid?

Whether you qualify for Medicaid coverage depends partly on whether your state has expanded its program. In all states: You can qualify for Medicaid based on income, household size, disability, family status, and other factors. Eligibility rules differ between states.

How often does Medicaid check your bank account?

Medicaid agencies can check your account balances for bank accounts at any financial institution you've used in the past five years. They will check when you submit an application and on an annual basis, but checks can occur at any time.

Can you have Medicaid and employer insurance at the same time?

Can I use Medicaid as secondary insurance after my insurance through my employer? Yes, you can maintain your employer-sponsored insurance plan as your primary coverage while also qualifying for Medicaid, which would pay for, generally speaking, any qualifying expense that your primary plan doesn't cover.

What are the disadvantages of Medicaid?

What is not covered by Medicaid?

Medicaid coverage can vary from state to state, but here are some common services and items that are typically not covered: Elective cosmetic procedures: Cosmetic surgeries and procedures, such as cosmetic dentistry and non-medical weight loss procedures, that are not medically necessary are typically not covered.