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Staying on Medicaid After Marriage

Medicaid eligibility is based on income. Marriage and the resulting change in income may make someone ineligible. This is a guide about staying on Medicaid after marriage.
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Ask a QuestionHere are the questions asked by community members. Read on to see the answers provided by the ThriftyFun community or ask a new question.

By 0 found this helpful
December 31, 2008

Marriage after Medicaid in Florida: My fiance and I are engaged when we found out I am expecting. I chose to get on Medicaid since I work part time and job doesn't provide health insurance and we did not have a date set for marriage. He wanted to get me on his insurance but could not be done because we are not married. I did get Medicaid and WIC.

I wanted to know if I would be penalized in some way, by staying on Medicaid after marriage. Would they check on that later in the state of Florida or not? I couldn't find anything on it. Any help would be greatly appreciated, thanks!

Terri from Florida

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Anonymous
January 1, 20090 found this helpful
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For the sake of your baby's health just wait until after your baby's birth to get married and maybe even for a year after if necessary. Although untimely, what has happened has happened and you both need to think of your little one having a good and healthy beginning. Commitment to each other in the heart is much more important than a hastily signed piece of paper in order to be/appear proper.

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After the birth, should you plan to marry right away, you will need to find out how long it will be before your baby is covered on his policy. Talk to your case worker now and in the future honestly about your complete situation and questions. Weigh the options carefully before making a decision.

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By 0 found this helpful
January 23, 2018

I have a question. We live in North Carolina and plan on getting married this year. My fiancé and I have one child together and I have 2 of my own. Right now my daughters have Medicaid. My question is when we get married will they lose their Medicaid even though my fiancé isn't their biological father? The reason I am asking is because my daughter has type one diabetes and needs good insurance. Thank you!

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January 23, 20180 found this helpful
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When your fiance becomes part of your household, his income may bump you up to a level where your daughters may not be eligible for Medicaid anymore.

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January 23, 20180 found this helpful
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You will become a family of 5 when you are married. You'll have to see with your social worker what will happen.

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This will all depend on your combined income and living expenses after you're married.

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January 27, 20180 found this helpful
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Don't rely on us. Go see the experts at the Social Security office. Get it in writing, too. Hope all works out.

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By 0 found this helpful
April 21, 2017

I recently got married and we had a child in February. I am on Medicaid and my husband makes $54,000 (gross income) yearly. Would my daughter and I still be eligible for Medicaid?

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April 21, 20170 found this helpful
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The answer would most likely be no but you should check with Medicaid to be sure. Legally, you most likely should have already notified Medicaid about your present family situation as using Medicaid may make you responsible for any payment they make after your situation changed.

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You do not say how long you have been married or if you used Medicaid after you got married but you should be very careful as this is a government agency and they have very strict rules.
Also, does your husband have health insurance? Has he placed you and your child on his coverage?

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By 0 found this helpful
February 1, 2018

My fiancee is currently on Medicaid and needs it for her plantar fasciitis. I am currently insured through the healthcare marketplace. She makes less than $10K a year, but I make $35K a year. Can she keep her benefits after we get married? We have no kids.

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February 1, 20180 found this helpful
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When the two of you get married, medicaid will consider combined household income, not just yours or her income individually. If the income puts you over the income limit for two, it could mean she'd lose her Medicaid. You'll have to check what the bracket is.

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You could also check your employers insurance to see how much co-pay would be and if they'll cover her plantar fasciitis.

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February 22, 20180 found this helpful
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Medicaid is very strict about enforcing the requirements/qualifications for receiving benefits so due to the increase in total income I feel sure your fiancee would loose that free coverage.

  • You should check with your insurance to see if she can be added as usually a wife can be added (even with disabilities) but your premium will increase.
  • Please remember, Medicaid is a government agency and benefits are for individuals/families who cannot afford to pay for insurance coverage.
  • It is always best to report changes in income as soon as possible so as to avoid any problems.
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By 0 found this helpful
October 24, 2017

I am disabled and currently on Medicaid and my mom's insurance (I am under 26) and Medicaid know this. I do not have an income. My fiancée is working and we are getting married in a few months. She makes about $16,000 a year which is under the amount in my state that two people can make and stay on Medicaid.

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How do I contact them when I get married to notify them of my change, but also let them know her annual salary so I can keep my Medicaid?

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October 25, 20170 found this helpful
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Although Medicaid is a federal government program, states can (and generally do) have a few stipulations of their own. This means states can differ in some of their qualifications for this program.

  • You state you have no income so it appears this would indicate you are presently living with your mother and that is why she can have you on her insurance policy.
  • Do you plan to continue to live with your mother after your marriage? This is probably a question the Social Security/social worker will ask. This answer may also determine if you will still be eligible to remain on your mother's insurance policy.
  • Is there some reason you are not presently on (or applied for) SSI coverage? It would appear that would be a program you should look into.
  • If you want answers to your questions there is no real reason why you have to wait until you are married to ask these questions.
  • Make an appointment with your social worker or the Social Security agency and present them with what you are asking here.
  • Someone should be able to give you the correct answers as no one on this site can do that.
  • Each case is different and just one minor thing can make a difference so please ask your questions at one of these places.
  • You can discuss everything with them so you will not have to be concerned about your coverage after your marriage.
  • They will also inform you of all papers they will need to keep everything current.

Best wishes for a happy future.

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