Medicaid guidelines by state
A state-by-state guide to Medicaid expansion, eligibility, enrollment and benefits

What is Medicaid?
Medicaid is a government-run health coverage program for low-income people in the United States1 As of early 2025, the program provided comprehensive coverage with low out-of-pocket costs to more than 71 million people.2
Medicaid is jointly funded by the federal and state governments, and administered by each state1 so eligibility guidelines and benefits vary significantly from state to state. Click on the map or the list of states to learn more about Medicaid in your state.
Medicaid eligibility
Medicaid eligibility rules vary from one state to another, so a person who is eligible for Medicaid in one state might not be eligible in another. Medicaid eligibility is based primarily on income – and for some populations, both income and assets – with specific guidelines set by each state.
Can I use my Medicaid coverage in any state?
Financial eligibility for Medicaid based only on income applies to:3
- Children
- Pregnant women
- Parents of minor children
- Adults under age 65 who are eligible due to Medicaid expansion
The specific income levels that make those populations eligible for Medicaid are different in each state4 (and not all states have expanded Medicaid eligibility). Income limits are shown as a percentage of the (FPL) which is updated annually.5
Learn more: Medicaid for children: Six facts every parent should know.
In addition to the populations listed above, additional populations can qualify for Medicaid if they have both a low income and low asset/resource levels. They include:6
- People age 65 and older
- People whose eligibility is based on disability or blindness
For these populations, the allowable income7 and asset levels8 also vary by state.
Are you losing Medicaid eligibility? Here’s what to do next.
Who gained coverage under Medicaid expansion?
Medicaid expansion refers to state action permitted by the Affordable Care Act (ACA) to expand coverage of more low-income adults. Before 2014, low-income adults could generally qualify for Medicaid only if they fit into one of the other eligibility categories (pregnant, disabled, or the parent/caretaker of a minor child). But the ACA created a new eligibility pathway for adults under age 65 whose household income isn’t more than 138% of the federal poverty level.9
This was intended to be available nationwide, but a 2012 U.S. Supreme Court ruling allowed states to continue to receive their existing federal Medicaid funding even if they didn’t expand Medicaid1011
This essentially made Medicaid expansion optional for states, and there are still 10 states that have not expanded Medicaid as of 2025.12 In nine of those states, adults with income under the federal poverty level fall into a “coverage gap” if they aren’t eligible for Medicaid due to pregnancy, being a parent/caretaker of a minor child, or disability. This means that some adults in those nine states are both ineligible for Marketplace subsidies (making coverage too expensive) because their incomes are below the poverty level, and also ineligible for Medicaid because their states have not expanded Medicaid to cover low-income adults..
Find out whether your state has implemented Medicaid expansion.
How to apply for Medicaid
You can apply for Medicaid online, by mail, over the phone, or in person, depending on where you live.13
You can also begin the process by visiting the health insurance Marketplace in your state (HealthCare.gov or a state-run Marketplace). In some states, you can complete Medicaid enrollment via the Marketplace website.14 But in most states, the Marketplace will transfer your information to the state Medicaid agency if it looks like you’re eligible, and Medicaid will contact you to complete the application process.15
Since Medicaid is administered separately by each state, the enrollment process and eligibility rules vary by state. But unlike other types of health coverage, Medicaid enrollment is open year-round.16 So you can apply anytime, without needing a qualifying life event.
What documents do I need to apply for Medicaid?
The specifics will vary depending on where you live, but you will likely need to provide the following information to apply for Medicaid:15
- Name, date of birth, and Social Security number for all household members applying for Medicaid.
- Proof of residence in the state where you’re applying for Medicaid.
- Proof of income, such as pay stubs or a W-2. (Depending on the circumstances, you might also need to provide proof of expenses, including medical expenses.)17
- Proof of citizenship or immigration status. (You generally need to be lawfully present in the U.S. for at least five years to be eligible for Medicaid, although that’s not always the case, especially for children and pregnant women.)18
- Details about any other government benefits you receive, such as Social Security or SNAP.
- Information about any other insurance you might have, or a coverage offer from an employer. (Some states use Medicaid funds to help eligible applicants pay for employer-sponsored health insurance.)19
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What does Medicaid cover?
There are some services that Medicaid is required to cover in every state, and other services that are optional for states to cover.20 As a result, Medicaid benefits differ from one state to another.
Learn more about what Medicaid covers.
Medicaid coverage typically means low or zero out-of-pocket costs for the enrollee. The specifics vary depending on the state and the care that’s provided, but total enrollee costs can’t be more than 5% of a household’s income.21
What is the difference between Medicare and Medicaid?
Medicare and Medicaid are both government-run health coverage programs. But they have several key differences, including:1
Medicaid funding
Medicaid is jointly funded by the federal government and each state’s government. The funding split for traditional Medicaid (meaning everyone except the Medicaid expansion population) depends on the average per-capita income in the state, with higher federal funding going to states with lower average per-capita incomes.22
For the Medicaid expansion population, the federal government pays 90% of the cost and states pay 10% of the cost. This 90/10 split does not vary by state.
When we include both the traditional Medicaid population and the Medicaid expansion population, the federal government pays roughly 50% to 80% of total Medicaid costs, depending on the state.
Frequently asked questions about Medicaid
Does Medicaid cover undocumented immigrants?
In most states, undocumented immigrants are not eligible for Medicaid coverage. But some states use only state funding,with no federal matching funds, to provide Medicaid or similar coverage to undocumented immigrants. (Federal funding cannot be used to provide Medicaid to undocumented immigrants, and is generally only available to pay for emergency medical care if the patient is an undocumented immigrant.)23
Does Medicaid cover dental, vision, and hearing?
Medicaid rules provide that dental, vision, and hearing care for enrollees under age 21 are each a mandatory benefit, which means Medicaid programs in all states must provide the coverage.24
For enrollees who are 21 or older, Medicaid dental benefits are optional benefits and vary from one state to another, as do vision25 and hearing benefits.26
Does Medicaid cover mental health services?
Yes, Medicaid covers mental health care, and is the largest payer for mental health services in the United States.27
But as with other types of care, there’s state-to-state variation in terms of the specific mental health benefits that Medicaid provides.
Does Medicaid cover long-term care or nursing homes?
Yes, Medicaid covers custodial long-term care. Medicaid is the primary payer of nursing home costs for more than six out of ten U.S. nursing home residents.28
In almost all states, Medicaid also covers in-home custodial long-term care.29 This allows enrollees to remain in their homes while receiving Medicaid-funded assistance with activities of daily living such as bathing and dressing.
To be eligible for Medicaid coverage of custodial long-term care, an applicant’s income and assets must be within the state’s required levels.29
States also check to make sure that the person didn’t transfer assets to someone else for less than fair market value within a certain time frame (five years in most states) before applying for Medicaid coverage of long-term care. If they did, they would have a waiting period before they could become eligible for long-term care coverage under Medicaid.30
Does Medicaid cover prescription drugs?
Can I get Medicaid if I’m unemployed?
Employment status does not impact eligibility for Medicaid.
If the state has expanded Medicaid, it’s available to adults under age 65 with income up to 138% of the federal poverty level.9 And Medicaid eligibility can be determined based on current monthly income, regardless of whether a person had a higher income earlier in the year (this differs from Marketplace premium subsidies, which are always based on total annual income).32
In a state where Medicaid has been expanded in the continental US, a single person can qualify for Medicaid with a 2025 income between $0 and $21,597 (or up to about $1,800/month).33
In a state where Medicaid has not been expanded, an adult with no income will not be eligible for Medicaid unless they’re eligible due to pregnancy, being a parent/caretaker of a child, or disability.34 But a person in that situation might be eligible for a Marketplace subsidy based on the income they earned earlier in the year.
Learn more about health insurance options for the unemployed.
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Legislation impacting Medicaid
Legislation to expand Medicaid
Lawmakers in the states that haven’t expanded Medicaid have continued to introduce legislation each year in an effort to expand coverage.
In 2018, Virginia lawmakers passed a budget that includes Medicaid expansion, with coverage that took effect in January 2019. As of September 2023, more than 728,000 people were enrolled in Virginia Medicaid under the expanded eligibility guidelines.
From 2019 through 2022, no additional states enacted legislation to expand Medicaid. But that dry spell ended in 2023 when North Carolina enacted H.76, which called for Medicaid expansion in the state, contingent on the passage of the state’s budget bill. The budget was eventually settled in the fall, and Medicaid expansion will begin in North Carolina in December 2023.
Lawmakers in Wyoming were considering the issue of Medicaid expansion for the tenth time in 2023, but it failed yet again.
Georgia enacted legislation (SB106) in 2019 that allowed the state to submit a Medicaid expansion proposal to CMS, but only for people earning up to 100% of the poverty level (as opposed to 138%, as called for in the ACA). CMS approved the partial expansion to take effect in mid-2021, but rejected the state’s request for full Medicaid expansion funding. After the Biden administration revoked approval for Georgia’s planned work requirement, the state paused implementation of the partial Medicaid expansion. It did eventually take effect in July 2023, but enrollment has remained quite low, due to the work requirement and reporting requirements that go along with it.
Medicaid expansion with a ballot initiative
In Maine, Utah, Idaho, Nebraska, Oklahoma, Missouri, and South Dakota, Medicaid expansion came about as a result of ballot measures passed by voters.
So far, Medicaid expansion ballot initiatives have passed in 100% of the states that have had them on the ballot (Montana voters did not approve a 2018 measure that would have provided ongoing funding for the state’s Medicaid expansion — which was already in effect — but this did not affect the state’s Medicaid expansion, which continues to be available to eligible resdents).
But in most of the remaining non-expansion states, ballot measures to expand Medicaid are not an option. Medicaid expansion advocates in Mississippi had been working to gather signatures for a 2022 ballot measure, but suspended their campaign after a Mississippi Supreme Court decision that currently makes it impossible for a signature-gathering campaign to be successful in the state.
Medicaid and the COVID pandemic
The Families First Coronavirus Response Act (FFCRA) essentially prevented states from making their eligibility standards any more strict during the COVID public health emergency period than they were as of the start of 2020. As noted above, the end date for this was eventually set as March 31, 2023, decoupling it from the public health emergency (which ended on May 11, 2023).
Section 6008 of the FFCRA provided states with a 6.2 percentage point increase in their federal Medicaid matching funding for the duration of the COVID public health emergency period, as long as the state Medicaid program:
- keeps its eligibility standards no more restrictive than they were at the start of 2020,
- does not raise premiums above the levels they were at in January 2020,
- provides no-cost coverage for COVID testing and treatment,
- does not terminate enrollees’ coverage for the duration of the COVID emergency period, unless they move out of the state or request that their coverage be terminated.
Those rules ended on March 31, 2023, under the terms of the Consolidated Appropriations Act that was enacted in late 2022. Here’s our overview of what to expect in terms of Medicaid eligibility redeterminations and disenrollments during the “unwinding” of the COVID-related continuous coverage rule.
Medicaid work requirements
The following is a summary of what’s happened in each of the states where work requirements had been approved or are pending federal approval:
Work requirements for states that have expanded Medicaid:
Work requirements that were in effect in early 2020 but have since been suspended/withdrawn:
- Michigan (approved, effective January 2020, but overturned by a judge in March 2020, and approval officially withdrawn by HHS in April 2021) — 80 hours per month (Michigan legislation initially called for 29 hours per week of work/community engagement, but it was revised to 80 hours per month before the final bill passed). A federal judge overturned the state’s Medicaid work requirement in early March 2020, so residents are not currently required to comply with it.
- Utah (approved, effective January 2020, but suspended amid the COVID-19 outbreak in April 2020, and approval officially withdrawn by HHS in August 2021) — beneficiaries are exempt from the community engagement requirement as long as they’re working at least 30 hours per week. And there are numerous other exemptions for various populations. But people who weren’t exempt had to comply with the state’s community engagement requirements. This involved creating an account on jobs.utah.gov, completing an online evaluation and workshops, and applying for at least 48 jobs within a three-month period.
Medicaid expansion states where new governors withdrew pending work requirements:
- Maine (approved, but rejected by Gov. Mills soon after she took office) The 20-hour per-week work requirement could have taken effect as of July 2019, and was approved while Gov. LePage was still in office (and still blocking the Medicaid expansion ballot initiative that voters had approved the previous year). Mills implemented Medicaid expansion and withdrew the work requirement.
- Virginia — (withdrawn by Gov. Ralph Northam). Virginia enacted a budget in 2018 that called for Medicaid expansion starting in January 2019, but also directed the state to seek federal permission for a work requirement. The state submitted a waiver proposal in late 2018. But in late 2019, before the proposal had been approved by CMS, Gov. Ralph Northam formally delayed the work requirement portion of the waiver. When CMS approved the waiver later that month, they noted that the work requirement (along with a few other provisions) were not being approved at that point, at the state’s request.
- Kentucky (withdrawn by Gov. Andy Beshear) Kentucky’s work requirement was the first to be approved by CMS. It was to be effective July 2018, but a federal judge halted the implementation of the work requirement in late June; CMS reopened the comment period and ultimately reapproved the work requirement, with no substantial changes, with an April 2019 effective date. But it was once again overturned by the judge, so it never took effect. Gov. Beshear withdrew the former administration’s waiver shortly after taking office.
Expansion states where work requirements were approved by HHS under the Trump administration but never took effect (and have since been withdrawn):
- Arkansas (took effect in 2018 but was overturned by a judge, approval officially withdrawn by HHS in March 2021) approved, effective June 2018 for people age 30-49; people age 19-29 were expected to have to comply as of 2019. — 80 hours per month.
- Indiana (phased in starting in 2019, then paused to await the outcome of a lawsuit, then approval officially withdrawn by HHS in June 2021): 5 hours per week initially, increasing to 20 hours per week.
- New Hampshire (overturned by a judge, then approval officially withdrawn by HHS in March 2021): initially scheduled to take effect in April 2019, but delayed until September 2019 before being overturned by a judge — 100 hours per month.
- Arizona (postponed by the state, then approval officially withdrawn by HHS in June 2021) — 80 hours per month for people age 19 to 49. Had been scheduled to take effect in some areas of the state in the fall of 2020, and roll out to other parts of the state in 2021 and 2022.
- Ohio (postponed by the state due to COVID, then approval officially withdrawn by HHS in August 2021) — 20 hours per week. Ohio initially planned to implement the work requirement as of January 2021, but postponed it as a result of the COVID pandemic and the enhanced federal funding stipulation that prohibits states from terminating coverage during the health emergency.
- Nebraska (initially scheduled to take effect in April 2022, but withdrawn by the state of Nebraska in June 2021) — Medicaid expansion took effect in October 2020, and the state’s Medicaid community engagement proposal (which was part of the Medicaid expansion plan) was approved later that same month (state officials had previously acknowledged that it wouldn’t be approved in time for the expansion start date). Nebraska’s 80-hour per month work requirement was different from most of the other states though: It was intended to be a way for beneficiaries to obtain additional benefits, as opposed to a requirement for basic eligibility.
Medicaid expansion states with pending work requirement proposals (unlikely to be approved by the Biden administration):
- Idaho — submitted a work requirement proposal to CMS in September 2019. Medicaid expansion took effect in Idaho as of January 2020, but the work requirement waiver proposal was still pending federal approval. If approved, the work requirement would call for Medicaid expansion enrollees to work at least 20 hours per week.
- Montana — Medicaid expansion took effect in Montana in 2016, but the state is now seeking federal approval to add a work requirement. The waiver proposal was submitted to CMS in August 2019 and is pending approval. The state had initially planned to implement the requirement as of January 2020, but that’s been delayed (the federal review process can take many months, and the COVID pandemic would have caused further delay). If approved, the work requirement calls for participants to work at least 80 hours per month.
Lawmakers in Louisiana considered several work requirement bills in 2018, but none were enacted. Lawmakers in Pennsylvania passed Medicaid work requirement legislation in 2017 and again in 2018, but Governor Tom Wolf vetoed both bills.
Lawmakers in Alaska considered Medicaid work requirement legislation in 2019, but the measure did not advance to a vote.
Work requirements for states that have not expanded Medicaid:
Several states that have not expanded Medicaid have sought federal permission to impose Medicaid work requirements, despite the fact that their Medicaid populations are comprised almost entirely of those who are disabled, elderly, or pregnant, as well as children.
The Trump Administration has begun granting work requirements in some of these states, although CMS Administrator, Seema Verma clarified in May 2018 that these states would have to clearly demonstrate how they plan to avoid situations in which people lose access to Medicaid as a result of the work requirement, and yet also do not have access to premium subsidies in the exchange.
Non-expansion states with approved work requirement waivers (largely withdrawn by the Biden administration)
Three non-expansion states were granted federal approval to implement Medicaid work requirements for their existing Medicaid populations, or for a newly-eligible population:
- South Carolina (approved in late 2019, delayed by the state due to COVID, then approval officially withdrawn by HHS in August 2021) — 80 hours per week. The state delayed implementation until after the COVID emergency period ends, but had asked the Biden administration to allow it to proceed after that. That request was not granted.
- Wisconsin (approved, was slated to take effect in November 2019 but indefinitely delayed as a result of the COVID pandemic, then approval officially withdrawn by HHS in April 2021) — 80 hours per month. A week after CMS approved Wisconsin’s waiver, voters elected Democrat Tony Evers to replace GOP Governor Scott Walker. Evers is opposed to the work requirement, but lawmakers in Wisconsin refused to repeal it. Note that although Wisconsin has not expanded Medicaid as called for in the ACA, there is no coverage gap in Wisconsin as people below the poverty level are eligible for Medicaid.
- Georgia (approved in 2020, slated to take effect in mid-2021, postponed amid the pandemic and legal challenges with the Biden administration, but ultimately implemented in July 2023 for a newly-eligible population of adults with income below the poverty level)
Non-expansion states seeking federal permission to impose a Medicaid work requirement:
Note that these states’ waiver proposals were all pending when the Biden administration took office, and none have been approved. The Biden administration has noted that work requirements are not in line with the overall mission of Medicaid (ensuring access to health care).
- Mississippi (pending CMS approval) — 20 hours per week
- South Dakota (pending CMS approval) — 80 hours per month
- North Carolina (pending CMS approval, but lawmakers would have to first approve the Carolina Cares legislation (or a similar bill), which calls for expanded Medicaid with a work requirement; North Carolina has not proposed a work requirement for the currently-eligible Medicaid population)
- Alabama (pending CMS approval) — 35 hours per week.
- Tennessee (pending CMS approval — 20 hours per week.
- Oklahoma (pending CMS approval — 80 hours per month. (Oklahoma expanded Medicaid in 2021 as a result of a ballot initiative that voters in the state passed in 2020.)
Kansas had also requested CMS approval for a work requirement of 20 or 30 hours per week, depending on circumstances. But that provision was later removed from the state’s Medicaid renewal proposal, and the waiver approval that was granted by CMS in December 2018 did not include a work requirement. And the bipartisan Medicaid expansion legislation that Kansas lawmakers considered in 2020 called for a work referral program instead of a work requirement.
Lawmakers in Missouri also considered legislation that called for an 80-hour-per-month work requirement, but the bill did not pass in the 2018 session. And voters in Missouri approved a ballot measure in 2020 that resulted in Medicaid expansion that took effect in late 2021.
Other Medicaid proposals to watch
Several states have sought CMS approval to implement lifetime caps for Medicaid coverage, including Arizona, Kansas, Maine, Utah, and Wisconsin. But thus far, CMS has not approved this provision for any states. Arizona’s work requirement approval noted that CMS was rejecting the state’s proposal to cap eligibility at five years for people who were subject to, but not in compliance with, the work requirement.
The Trump administration also rejected Arkansas’ proposal to cap Medicaid eligibility at 100% of the poverty level, instead of 138%. The agency also rejected a similar proposal from Utah in 2019, and from Georgia in 2020. Massachusetts submitted a similar request to CMS that was never approved, although Massachusetts has already expanded Medicaid.
And no states have received approval for an asset test for Medicaid. Maine proposed an asset test as part of an 1115 waiver proposal, but that portion of the waiver was not approved.
Several states have received approval, however, to impose premiums on certain Medicaid populations, restrict retroactive eligibility, and require more eligibility redeterminations.
“Private option” Medicaid
Arkansas pioneered the “private option” approach to the state Medicaid expansion, under which the state uses Medicaid funds to purchase private health insurance in the individual market for Medicaid-eligible enrollees. Some other states followed suit to varying degrees over the coming years, but have since transitioned back to a more traditional approach (Medicaid fee-for-service or Medicaid managed care). Arkansas is the only state that still uses the private option approach, and even Arkansas has temporarily paused the process of automatically enrolling new members in private plans through the exchange.
New Hampshire enacted legislation in 2018 that directed the state to abandon the private approach to Medicaid expansion that was being used in the state at the time (buying policies in the exchange for people eligible for expanded Medicaid) and switch to a Medicaid managed care program instead. The state submitted a waiver amendment proposal to CMS in August 2018, and the transition took effect in 2019.
Iowa’s Medicaid expansion program initially used Medicaid funds to buy marketplace coverage for people with income above the poverty level, but the state switched to regular Medicaid managed care in 2016.
Medicaid buy-in
Some states have also considered the possibility of seeking approval for a Medicaid buy-in program, under which people who aren’t eligible for Medicaid would be allowed to purchase Medicaid coverage.
Nevada lawmakers passed legislation to allow Medicaid buy-in during the 2017 legislative session, but the governor vetoed it. Lawmakers in Colorado, Maryland, and New Mexico considered legislation in 2018 that would direct the state to conduct a study on the feasibility and cost of a Medicaid buy-in program (ie, allowing people who aren’t eligible for Medicaid to purchase Medicaid coverage instead of private market coverage). Colorado lawmakers ultimately did not pass the bill, and neither did Maryland lawmakers. But New Mexico enacted legislation in early 2018 calling for a study on the costs and ramifications of a Medicaid buy-in program. Lawmakers in New Mexico considered SB405 in 2019 (which would have created a Medicaid buy-in program), but it did not pass. Instead, New Mexico opted for a state-run subsidy program that provides additional premium subsidies and cost-sharing subsidies to people with income above the Medicaid eligibility threshold who enroll in private health plans through the exchange.
Minnesota lawmakers considered, but did not pass, a bill in 2017 that would have allowed people to buy into MinnesotaCare, the state’s Basic Health Program (similar to Medicaid, but for people with slightly higher income). This issue was revisited in 2018 and DFLers still supported it in 2019, but it hasn’t gone anywhere yet.
Thus far, Medicaid buy-in has not gained much traction. But Democrats have been warming to the idea of a public option or single-payer system. A public option program debuted in 2021 in Washington. Colorado enacted a watered-down version of a public option bill, and the plans became available for 2023 coverage. Nevada enacted public option legislation in 2021 but it won’t take effect until 2026. But none of these states have taken a Medicaid buy-in option.
History of Medicaid expansion
As noted at the start of this summary, Medicaid was a cornerstone of ACA lawmakers’ efforts to expand access to healthcare. The idea was that everyone with household incomes up to 133% of the federal poverty level (FPL) would be able to enroll in Medicaid (there is a built-in 5% income disregard for MAGI-based Medicaid eligibility, so the threshold ends up being 138% of FPL).
People above that threshold would be eligible for premium tax credits in the exchanges to make their coverage affordable, as long as their income didn’t exceed 400% of the poverty level. The idea was that people with income above 400% of the poverty level would be able to afford coverage without subsidies, but that has not proven to be the case. So the American Rescue Plan temporarily eliminated the income cap for subsidy eligibility, for 2021 and 2022, and the Inflation Reduction Act extended that provision through 2025.
Because Medicaid expansion was expected to be a given in every state, the law was written so that premium subsidies in the exchange are not available to people with incomes below the poverty level. They were supposed to have access to Medicaid instead.
11 states still say ‘No’ to Medicaid expansion (dropping to 10 by late 2023)
Unfortunately for millions of uninsured Americans, in 2012 the Supreme Court ruled that states could not be penalized for opting out of Medicaid expansion. And 11 states have not yet expanded their programs.
Until late 2015, there were still 22 states that had not expanded Medicaid, but quite a few states have expanded Medicaid since then:
- Alaska (effective September 2015)
- Montana (effective January 2016)
- Louisiana (effective July 2016)
- Virginia (effective January 2019)
- Maine (effective February 2019; retroactive coverage available back to July 2018).
- Utah and Idaho (effective January 2020)
- Nebraska (effective October 2020)
- Oklahoma (effective July 2021)
- Missouri (effective October 2021)
- South Dakota (effective July 2023)
- North Carolina (effective December 2023)
As a result of the holdout states’ refusal to accept federal funding to expand Medicaid, KFF estimates there are nearly 2 million people in the coverage gap across nine of those states (although Wisconsin has not expanded Medicaid under the ACA, BadgerCare Medicaid is available for residents with incomes up to the poverty level, so there is no coverage gap in Wisconsin); note that KFF’s data does not include North Carolina, since Medicaid expansion is slated to begin there in late 2023.
Being in the coverage gap means you have no realistic access to health insurance. These are people with incomes below the poverty level, so they are not eligible for subsidies in the exchange. But they are also not eligible for their state’s Medicaid program.
In many of the states that have not expanded Medicaid, low-income adults without dependent children are ineligible for Medicaid, regardless of how little they earn. For those who do have dependent children, the income limit for eligibility can be very low: In Alabama, parents with dependent children are only eligible for Medicaid if their income doesn’t exceed 18% of the poverty level. For a family of three, that’s only $373 per month in 2023 (and yet, Alabama wanted to impose a strong work requirement on those parents who are currently eligible for coverage).
More states easing into expansion
New Hampshire, Michigan, Indiana, Pennsylvania, Alaska, Montana, and Louisiana all expanded their Medicaid programs between 2014 and 2016. Expansion took effect in Virginia and Maine in 2019, in Utah, Idaho, and Nebraska in 2020, and in Oklahoma and Missouri in 2021. It took effect in South Dakota in 2023, and will take effect in North Carolina as of December 2023.
The 2018 election was pivotal for Medicaid, with three states passing ballot initiatives to expand Medicaid, and Kansas, Wisconsin, and Maine electing governors who are supportive of Medicaid expansion (Maine voters had already approved Medicaid expansion in the 2017 election, but it wasn’t implemented until early 2019, when the state’s new governor took office).
The first six states to implement Medicaid programs did so in 1966, although several states waited a full four years to do so. And Alaska and Arizona didn’t enact Medicaid until 1972 and 1982, respectively. Eventually, Medicaid was available in every state, but it certainly didn’t happen everywhere in the first year.
There’s big money involved in the Medicaid expansion decision for states. Under ACA rules, the federal government pays the vast majority of the cost of covering people who are newly eligible for Medicaid. Through the end of 2016, the federal government fully funded Medicaid expansion. The states started to pay a small fraction of the cost starting in 2017, eventually paying 10% by 2020. From there, the 90/10 split is permanent; the federal government will always pay 90% of the cost of covering the newly eligible population, assuming the ACA remains in place.
The cost of NOT expanding Medicaid eligibility
Because the federal government funds nearly all of the cost of Medicaid expansion, the 14 states that haven’t yet taken action to expand Medicaid have been missing out on significant federal funding — more than $305 billion between 2013 and 2022.
(Indiana, Pennsylvania, Alaska, Montana, Louisiana, Virginia, Maine, Utah, Idaho, Nebraska, Oklahoma, Missouri, and South Dakota have expanded their Medicaid programs since that report was produced in 2014, so they are no longer missing out on federal Medicaid expansion funding; North Carolina will join them as of late 2023.)
Just five states – Florida, Texas, North Carolina, Georgia, and Tennessee – would have received nearly 60% of that funding (a total of $227.5 billion) if they had expanded Medicaid to cover their poorest residents starting in 2013. The good news is that although the federal government is no longer funding the full cost to expand Medicaid, they’ll always pay at least 90% of the cost, making the state Medicaid expansion a good deal for states regardless of when they implement it (in other words, for every dollar a state spends to cover its Medicaid expansion population, the federal government will kick in $9).
For residents of states that haven’t expanded Medicaid, their federal tax dollars are being used to pay for Medicaid expansion in other states, while none of the Medicaid expansion funds are coming back to their own states. Between 2013 and 2022, $152 billion in federal taxes will have been collected from residents in states not expanding Medicaid, and will be used to fund Medicaid expansion in other states.
The human toll of the Medicaid coverage gap
Of course, there’s more to Medicaid expansion than just money. Harold Pollack very clearly explains the human toll of the Medicaid coverage gap: Based on the 3,846,000 people who were expected to be in the coverage gap in January 2015, we can expect 4,633 of them to die in any given year because they don’t have health insurance.
(Pollack’s number is higher, because his article was written in May 2014. Since then, 14 additional states have expanded Medicaid, resulting in fewer people stuck in the coverage gap. Unfortunately, some of the states with the largest number of people in the coverage gap have steadfastly refused to accept federal funding to expand Medicaid.)
Public support for Medicaid expansion
Public support for Medicaid expansion is relatively strong, even in Conservative-leaning states: In Wyoming (considered the most Conservative state), 56% of the public are in favor of Medicaid expansion. But the Republican-led legislature in Wyoming has consistently rejected Medicaid expansion, despite Republican former Governor Matt Mead’s support for expansion.
Voters in Utah, Idaho, and Nebraska — all conservative-leaning states — approved Medicaid expansion ballot initiatives in the 2018 election. And the same thing happened in Missouri and Oklahoma in 2020, and in South Dakota in 2022.
In Texas – home to more than a quarter of those in the coverage gap nationwide – a board of 15 medical professionals appointed by then-Governor Rick Perry recommended in November 2014 that the state accept federal funding to expand Medicaid, noting that the uninsured rate in Texas was “unacceptable.” But no real progress towards Medicaid expansion has been made since then, and U.S. census data indicated that 18.4% of Texas residents were uninsured in 2019 – the highest rate in the country
There are several other states where the legislature or the governor – or both – are generally opposed to the ACA, but where Medicaid expansion has been actively considered, either by the governor or legislature or in negotiations with the federal government. These include Kansas and Tennessee as well as North Carolina, which enacted Medicaid expansion legislation in 2023 after years of political wrangling on the issue.
There’s plenty of activity to monitor at the state level. You can click on a state on this list to see current Medicaid-related legislation:
Footnotes
- “What’s the difference between Medicare and Medicaid?” U.S. Department of Health & Human Services. Accessed June 10, 2025 ⤶ ⤶ ⤶
- “January 2025 Medicaid & CHIP Enrollment Data Highlights” Medicaid.gov. Accessed June 10, 2025 ⤶
- “Eligibility Policy” Medicaid.gov. Accessed June 9, 2025 ⤶
- “Medicaid, Children’s Health Insurance Program, & Basic Health Program Eligibility Levels” Medicaid.gov. Accessed June 19, 2025 ⤶
- ”Poverty Guidelines” U.S. Department of Health & Human Services. Accessed June 26, 2025 ⤶
- “Medicaid Eligibility and Enrollment Policies for Seniors and People with Disabilities (Non-MAGI) During the Unwinding” KFF.org. June 20, 2024 ⤶
- “Medicaid Eligibility Income Chart by State (Updated Jun. 2025)” American Council on Aging. June 4, 2025 ⤶
- ”What your state lets you keep, effective 1/1/2025” GotLTCI. Jan. 1, 2025” ⤶
- “5 Key Facts About Medicaid Expansion” KFF.org. Apr. 25, 2025 ⤶ ⤶
- “A Guide to the Supreme Court’s Decision on the ACA’s Medicaid Expansion” KFF.org. Aug. 2012 ⤶
- Under the ACA, a state that didn’t expand Medicaid would have potentially lost all federal Medicaid funding, but the Supreme Court ruling prevented that. ⤶
- “Status of State Medicaid Expansion Decisions” KFF.org. May 9, 2025 ⤶
- ”Where Can People Get Help With Medicaid & CHIP?” Medicaid.gov. Accessed June 19, 2025 ⤶
- “Understanding Integration Between State-Based Marketplaces and Medicaid” State Marketplace Network. Mar. 4, 2024 ⤶
- “How to apply for Medicaid and CHIP” USA.gov. Accessed June 10, 2025 ⤶ ⤶
- “Medicaid & CHIP coverage” HealthCare.gov. Accessed June 10, 2025 ⤶
- “Eligibility Policy; Medically Needy” Medicaid.gov. Accessed June 10, 2025 ⤶
- “5 Key Facts About Immigrants and Medicaid” KFF.org. Feb. 19, 2025 ⤶
- “Federal Requirements and State Options: Premium Assistance” MACPAC. Accessed June 10, 2025 ⤶
- “Mandatory & Optional Medicaid Benefits” Medicaid.gov. Accessed June 10, 2025 ⤶ ⤶
- “Cost Sharing Out of Pocket Costs” Medicaid.gov. Accessed June 10, 2025 ⤶
- “Medicaid Financing: The Basics” KFF.org. Jan. 29, 2025 ⤶
- ”CMS Increasing Oversight on States Illegally Using Federal Medicaid Funding for Health Care for Illegal Immigrants” Centers for Medicare & Medicaid Services. May 27, 2025 ⤶
- “Mandatory & Optional Medicaid Benefits” And “Early and Periodic Screening, Diagnostic, and Treatment” Medicaid.gov. Accessed June 10, 2025 ⤶
- “Medicaid vision coverage for adults varies widely by state” National Institutes of Health. Aug. 6, 2024 ⤶
- “Hearing Aids and Medicaid” Most Policy Initiative. Feb. 3, 2025 ⤶
- “Behavioral Health Services” Medicaid.gov. Accessed Apr. 30, 2025 ⤶
- “A Look at Nursing Facility Characteristics Between 2015 and 2024” KFF.org. Dec. 6, 2024 ⤶
- “Answers to All of Your Questions About Medicaid Long Term Care” American Council on Aging. Mar. 25, 2025 ⤶ ⤶
- “Understand Medicaid’s Look-Back Period; Penalties, Exceptions & State Variances” American Council on Aging. Nov. 21, 2024 ⤶
- “Prescription Drugs” Medicaid.gov. Accessed June 10, 2025 ⤶
- “Health Insurance Marketplace Calculator, FAQs: What is Medicaid? How does it relate to financial help through the Health Insurance Marketplace?” KFF.org. Accessed June 10, 2025 ⤶
- “2025 Poverty Guidelines: 48 Contiguous States (all states except Alaska and Hawaii)” U.S. Department of Health & Human Services. Accessed June 10, 2025 ⤶
- “Medicaid expansion & what it means for you” HealthCare.gov. Accessed June 10, 2025 ⤶