A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
Speak with a licensed insurance agent 866-553-3223
Speak with a licensed insurance agent 866-553-3223
A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Will you receive an ACA premium subsidy?
See if you're eligible for the Affordable Care Act's premium tax credits (premium subsidies), how subsidies are calculated, and why they are more robust through 2025.
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Federal poverty guidelines for 2025
The federal poverty level (FPL) - also referred to as the federal poverty guidelines – is used to determine eligibility for Medicaid and CHIP, and for premium subsidies and cost-sharing reductions in the health insurance marketplace.

Can undocumented immigrants get Medicaid?

Are undocumented immigrants eligible for Medicaid?

Unauthorized non-citizens (also called “undocumented immigrants”) may or may not be eligible for Medicaid, depending on their income, where they live, their age, and whether they’re pregnant.

Under federal law, undocumented immigrants are ineligible to enroll in federally funded health coverage – including Medicaid – except in limited circumstances.1 In almost all cases, federal Medicaid funding cannot be used to provide coverage to undocumented immigrants,2 and the federal government has announced increased federal oversight to ensure that federal funding is not being used to provide Medicaid to undocumented immigrants.3

However, because Medicaid is funded jointly by the federal government and each state government, states can choose to use only state funds to cover undocumented immigrants.2 As a result, undocumented immigrants’ eligibility to receive Medicaid benefits varies by state.4

Here’s what you need to know:

Which states offer Medicaid to undocumented immigrant adults?

Six states provide Medicaid or Medicaid-like coverage (benefits similar to Medicaid but provided through a separate program) to at least some undocumented immigrant adults, and 14 states (including the six that offer coverage to adults) provide Medicaid or similar coverage to undocumented immigrant children and in some cases, pregnant women.

The following states use state funds to provide Medicaid or Medicaid-like coverage to certain adults who reside in the state and meet income eligibility guidelines, regardless of their immigration status:5

  • California6
  • Illinois The Health Benefits for Immigrant Adults Program (HBIA) stopped accepting new enrollments in 2023.7 And coverage will end for adults aged 42 to 64 on June 30, 2025.8 But Health Benefits for Immigrant Adults (HBIA) will continue for those 65 and older.9
  • Minnesota (Coverage is provided through MinnesotaCare,10 the state’s Basic Health Program.)
  • New York (Only for those 65 and older)11
  • Oregon12
  • Washington (Enrollment cap has been met, but people can still apply to be considered if space opens in the program.)13


Which states offer Medicaid to undocumented immigrant children?

A longer list of states use state funds to provide Medicaid or CHIP (Children’s Health Insurance Program) to children who reside in the state and meet income eligibility guidelines, regardless of their immigration status. (This includes all of the states listed above that also allow certain undocumented adults to enroll in Medicaid.) Some of these states also offer Medicaid coverage for undocumented pregnant women:4

  • California
  • Colorado (Undocumented pregnant immigrants are also eligible.)14
  • Connecticut15
  • Illinois
  • Maine (Undocumented pregnant immigrants are also eligible.)16
  • Massachusetts17
  • Minnesota (Coverage is provided through MinnesotaCare.)10
  • New Jersey18
  • New York (Undocumented pregnant immigrants are also eligible.)19
  • Oregon
  • Rhode Island20
  • Utah (The program covers about 2,000 children, but enrollment is currently closed to new applicants.)21
  • Vermont (Undocumented pregnant immigrants are also eligible.)22
  • Washington

The U.S. House of Representatives passed budget legislation in May 2025 that calls for reduced federal Medicaid expansion funding for states that use state funds to provide Medicaid to undocumented immigrants. If the bill is enacted, the federal Medicaid expansion funding in these states would drop from 90% to 80%.23


Can federal funding ever be used to provide health benefits to undocumented immigrants?

Yes, some programs utilize federal funding to provide at least some health coverage to undocumented immigrants. They include Emergency Medicaid,2 as well as two CHIP options: From Coverage to End of Pregnancy (FCEP)24 and Health Services Initiatives (HSI).25


What is Emergency Medicaid?

Emergency Medicaid, which is jointly funded by the state and federal governments,2 covers emergency care for uninsured patients who are ineligible for Medicaid due to their immigration status. There is state-to-state variation in the types of care that can be reimbursed under Emergency Medicaid.26

Emergency Medicaid spending, much of which is used to pay for labor and delivery costs, accounts for less than 1% of all Medicaid spending.27 Federal law requires hospitals to provide certain emergency care, including labor and delivery services, regardless of the patient’s health coverage or immigration status.28 Without Emergency Medicaid, the cost of providing certain emergency care would have to be borne by hospitals and the states.27

CHIP options for unborn children and postpartum mothers

Federal funding can also be used to provide prenatal care to pregnant undocumented immigrants via CHIP’s FCEP option. This program, used by nearly two dozen states, ensures that pregnant residents have access to prenatal care regardless of immigration status, since the babies will be United States citizens once they are born.29

The FCEP program’s focus is on covering services directly related to the health of the fetus.30 However, several states use funding from CHIP HSIs to provide postpartum coverage for new mothers, regardless of immigration status.25

What are alternatives to Medicaid for undocumented immigrants?

Undocumented immigrants are much more likely to be uninsured than U.S. citizens or lawfully present residents.31

Providing it’s available to them, undocumented immigrants may be able to enroll in employer-sponsored health insurance. Or they can buy individual-market health coverage outside the health insurance Marketplace.

In most of the country, undocumented immigrants are not eligible to purchase Marketplace coverage,32 but can enroll in full-price coverage outside the Marketplace.33

But there are a few exceptions: Colorado34 and Washington35 allow undocumented immigrants to enroll in Marketplace (or Marketplace equivalent, in the case of Colorado) coverage with state-funded subsidies, and Maryland will join them in the fall of 2025.36

Federal law guarantees that everyone in the U.S. can receive emergency care – including care provided during labor and delivery – regardless of their health coverage or immigration status.37 As described above, Emergency Medicaid will reimburse hospitals for the cost of providing emergency services to people who would be eligible for Medicaid if not for their immigration status.

Undocumented immigrants can also obtain non-emergency care at federally qualified health centers and free clinics.38


Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written hundreds of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

Footnotes

  1. Unauthorized Immigrants’ Eligibility for Federal and State Benefits: Overview and Resources” Congress.gov. Nov. 29, 2022 
  2. Emergency Medicaid Services for Certain Non-U.S. Nationals” Congressional Budget Office. Oct. 2, 2024    
  3. "CMS Increasing Oversight on States Illegally Using Federal Medicaid Funding for Health Care for Illegal Immigrants" Centers for Medicare & Medicaid Services. May 27, 2025 
  4. Health Care Coverage (Maps)” National Immigration Law Center. Feb. 18, 2025  
  5. Key Facts on Health Coverage of Immigrants” (Figure 7) KFF.org. Jan. 15, 2025 
  6. Ages 26 through 49 Adult Full Scope Medi-Cal Expansion” California DHCS. Accessed Mar. 31, 2025 
  7. MR #24.12 Health Benefits for Immigrant Adults (HBIA) and Health Benefits for Immigrant Seniors (HBIS)” Illinois Department of Human Services. Apr. 18, 2024 
  8. Health Benefits For Immigrant Adults” Illinois Department of Healthcare and Family Services. Accessed Mar. 31, 2025 
  9. Health Benefits For Immigrant Seniors” Illinois Department of Healthcare and Family Services. Accessed Mar. 31, 2025 
  10. DHS Expands MinnesotaCare Eligibility to Include Undocumented Individuals” Minnesota Department of Human Services. Nov. 7, 2024  
  11. Expanded Medicaid for Undocumented Immigrants Age 65 and Over” New York State of Health. Feb. 23, 2024 
  12. People of Any Age or Immigration Status May Qualify for Full Oregon Health Plan (OHP) Benefits” Oregon Health Authority. Accessed Mar. 31, 2025 
  13. Apple Health Expansion” Washington State Health Care Authority. Accessed Mar. 31, 2025 
  14. Health Coverage For Immigrants” Health First Colorado. Accessed Mar. 31, 2025 
  15. New State-Funded Health Coverage Now Available for Some Children and DACA recipients living in Connecticut” AccessHealthCT. Accessed Apr. 16, 2025 
  16. New MaineCare Coverage for Immigrants is Here!” Maine Equal Justice. Jan. 1, 2024 
  17. Children's Medical Security Plan” Mass.gov. Accessed Apr. 16, 2025 
  18. Cover All Kids, FAQs” New Jersey Department of Human Services. Accessed Apr. 16, 2025 
  19. Immigrants” NYC.gov. Accessed Mar. 31, 2025 
  20. Medicaid and Children’s Health Insurance Program (CHIP) Non-Financial General Eligibility Requirements (210-RICR-10-00-3)” Rhode Island Department of State. Accessed Apr. 16, 2025 
  21. State CHIP” Utah Department of Health and Human Services. Accessed Mar. 31, 2025 
  22. Immigrant Health Insurance Plan (IHIP)” Department of Vermont Health Access. Accessed Mar. 31, 2025 
  23. "H.R.1 - One Big Beautiful Bill Act (Section 44111)" Congress.gov. Passed U.S. House of Representatives May 22, 2025 
  24. CHIP Eligibility & Enrollment” Centers for Medicare & Medicaid Services. Accessed Mar. 31, 2025 
  25. More States Expanding Medicaid/CHIP for Pregnant Women, Including Immigrants” Georgetown University McCourt School of Public Policy” Oct. 15, 2024  
  26. State Flexibility in Emergency Medicaid to Care for Uninsured Noncitizens” JAMA Network. July 14, 2023 
  27. Less than 1% of Total Medicaid Spending Goes to Emergency Care for Noncitizen Immigrants” KFF.org. Accessed Mar. 31, 2025  
  28. Fact Sheet: Undocumented Immigrants and Federal Health Care Benefits” National Immigration Forum. Sep. 21, 2022 
  29. Key Facts on Health Coverage of Immigrants” KFF.org. Jan. 15, 2025. And ”More States Expanding Medicaid/CHIP for Pregnant Women, Including Immigrants” Georgetown University McCourt School of Public Policy” Oct. 15, 2024 
  30. Overview of Immigrant Eligibility for Federal Programs” National Immigration Law Center. May 1, 2024 
  31. Key Facts on Health Coverage of Immigrants” KFF.org. Jan. 15, 2025 and “Fact Sheet: Undocumented Immigrants and Federal Health Care Benefits” National Immigration Forum. Accessed Mar. 31, 2025 
  32. Health coverage for immigrants” HealthCare.gov. Accessed Apr. 1, 2025 
  33. States Expand Access to Affordable Private Coverage for Immigrant Populations” The Commonwealth Fund. Feb. 8, 2024 
  34. OmniSalud” Connect for Health Colorado. Accessed Mar. 31, 2025 
  35. Health Care Options for Immigrants” Washington Healthplanfinder. Accessed Mar. 31, 2025 
  36. Maryland: State Innovation Waiver Amendment” Centers for Medicare & Medicaid Services. Jan. 15, 2025 
  37. Accessing Healthcare Services as an Undocumented Immigrant: Practical Tips” Center for Human Rights and Constitutional Law. May 30, 2025 
  38. Noncitizens’ Access to Health Care” Congress.gov. Nov. 14, 2024 

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