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There is no easy answer to this question because there are several different things that could happen....you could keep the Medicaid and not take the insurance through your job however if for some reason you lose the Medicaid you may have missed the open enrollment period with your employer. If that happens you will still be able to get health insurance but based on your income you may not qualify for any tax credits.
Hope this helps clarify everything!!
Most likely you cannot stay on Medicaid. Medicaid as well as plans through the Marketplace are for people who do not have access to health insurance. If your employer offers health insurance you technically have access — unless the plans are unaffordable. But that’s subjective therefore there’s a specific formula to determine if it’s unaffordable. And even if you qualify based on that formula - you’d have to make sure you don’t exceed Medicaid’s income requirements. Can you just keep it (Medicaid) and not report your new income? Sure. However the state can find out.
May I suggest you seek options with the ACA if your income is that low and you will make too much to be on Medicare ... https://www.healthcare.gov/subscribe/?gclid=Cj0KCQiA_rfvBRCPARIsANlV66NGqdazLzlccvws2cSUUpa0m2owADQT...
All of these answers are incorrect. I will take them pint by point
Hope this helps!
Another question is, why do you need premium assistance for Medicaid when you are eligible for Medicaid? Trying to understand who qualifies for premium assistance and why not stick to Medicaid if you are given the option of Medicaid and ESI. Thank you!
Medicaid eligibility is governed by state law. You will have to ask the administrative agency within your state about the rules for Medicaid, and the rules for keeping Medicaid if you are eligible for other coverage.
Hi @amaxwell1
I know you wrote this reply several years ago but, I am looking for an answer to this question too. You seem to have the answer but I just wanted to double check. Would you be able to provide where you got that information from?
My husband has insurance through his employer and we were having medicaid as secondary insurance. However, the primary insurance (through my husband's work) is taking a lot out of his paycheck and not really doing anything because medicaid just picks everything up. (we got medicaid because we couldn't afford the healthcare costs. - I started not going to the doctor to try and save money 😕 ).
Anyway,
I'm trying to find information as to whether Medicaid will penalize us for going off of my husband's insurance. (our gross income - which qualified us for Medicaid - will not change. but we will be getting a bit more from his actual pay check without having $ taken out for the employer-offered insurance. )
If you have a moment, could you please help me find the pertinent rules/regulations/information?
Thanks
I just started a new job. I have had medicaid, but I had both with my previous employer, medicaid and the employer insurance. This new job offers a stipend if you have other insurance, so if I opt out of employer coverage and just use the medicaid, am I able to still receive the stipend from the employer? It seems like it wouldn't be aloud. I am in fact broke. Quite broke, so if I can do this I absolutely want to do it. It would be a tremendous help!
@Xera wrote:
I just started a new job. I have had medicaid, but I had both with my previous employer, medicaid and the employer insurance. This new job offers a stipend if you have other insurance, so if I opt out of employer coverage and just use the medicaid, am I able to still receive the stipend from the employer? It seems like it wouldn't be aloud. I am in fact broke. Quite broke, so if I can do this I absolutely want to do it. It would be a tremendous help!
You have to ask the Medicaid office of your state. It will depend on your income, family size, and other factors. We can't help you with that specific level of advice.
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