How do I qualify for Medicaid?

Medicaid eligibility varies by state. In states that expanded Medicaid under the ACA, you qualify with income up to 138% of the Federal Poverty Level (FPL). In non-expansion states, limits are lower (often below 50% FPL). Eligibility also depends on household size, disability status, pregnancy, and age. Our screener checks your state and income against 2026 Medicaid rules.

What is CHIP and who qualifies?

CHIP (Children's Health Insurance Program) covers children and teens in families that earn too much for Medicaid but can't afford private insurance. Income limits vary by state, typically ranging from 200% to 400% of the Federal Poverty Level. CHIP serves children under 19.

Do I qualify for Medicare?

You qualify for Medicare if you are 65 or older, have been on Social Security Disability for 24 months, or have End-Stage Renal Disease (ESRD) or ALS. Medicare eligibility does NOT depend on income — anyone in these categories qualifies regardless of earnings.

How do ACA Marketplace subsidies work?

ACA Marketplace premium tax credits are available to individuals and families with income between 100% and 400% of the Federal Poverty Level who don't have affordable employer coverage. Through the Inflation Reduction Act extension (through 2025), there is no upper income cap on subsidy eligibility. You can only enroll during Open Enrollment (Nov–Jan) or with a Qualifying Life Event.

What is hospital financial assistance?

Non-profit hospitals (501(r) requirement) must offer free or reduced-cost care to low-income patients. Eligibility typically requires being at or below 200% FPL for free care, or up to 400% FPL for reduced-cost care. Each hospital sets its own policy — our screener lets you check hospital-specific programs.

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Here's what you likely qualify for

Based on your responses. Final eligibility is determined by the program administrator.

⚠️ Important: This is an estimate based on general 2026 program rules. Income limits, eligibility rules, and covered services vary by state and change annually. Visit each program's website or call their helpline to confirm your eligibility before applying.

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