Having a job doesn't automatically disqualify you from Medicaid. Learn how working income affects your eligibility and whether you can keep Medicaid while employed.
Can I Get Medicaid If I Work?
Yes — having a job does not automatically disqualify you from Medicaid. Many working Americans qualify for Medicaid, particularly those who work part-time, earn low wages, or live in states that have expanded Medicaid coverage.
How Working Income Affects Eligibility
Medicaid eligibility is based on your household income relative to the Federal Poverty Level (FPL), not on whether you work. If your income falls below the threshold for your state, you may qualify regardless of employment status.
In expansion states, a single adult can earn up to $20,783 per year (about $10/hour full-time) and still qualify for Medicaid. At minimum wage in many states, this means full-time workers may still qualify.
Common Situations Where Working People Qualify
Part-time workers: If you work part-time and earn less than the income limit, you likely qualify.
Seasonal workers: Income is averaged or calculated based on current circumstances — seasonal gaps in income can help qualify you.
Gig workers: Uber drivers, DoorDash couriers, freelancers, and other gig workers often qualify because income can be irregular and net income after expenses is lower.
Low-wage full-time workers: In expansion states, someone earning $12–$14/hour full-time may still qualify.
Workers without employer health insurance: Many employers — especially small businesses and retail/restaurant employers — don't offer health coverage. Employees of these businesses often turn to Medicaid.
What About Employer-Sponsored Insurance?
If your employer offers health insurance, you may still qualify for Medicaid if the employer coverage is considered "unaffordable" (costs more than 8.39% of your household income in 2025) or "inadequate."
In some states, having access to employer coverage doesn't affect your Medicaid eligibility at all.
Do I Have to Report My Job to Medicaid?
Yes. You're required to report your income accurately when applying for Medicaid. If your income changes significantly during the year, you should report that change to your state Medicaid agency.
If your income increases above the eligibility threshold, you may lose Medicaid coverage. However, you'd then qualify for ACA marketplace coverage with subsidies.
Work Requirements
Some states have implemented or attempted to implement work requirements for Medicaid — requiring enrollees to work a certain number of hours per month to maintain coverage. As of 2025, most work requirements have been blocked by courts or rescinded. Check your state's specific rules.
The Bottom Line
Don't assume you don't qualify for Medicaid because you work. Many working Americans are covered. The best way to find out is to check your eligibility — it takes 60 seconds and is completely free.