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13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

Latest News & Topics

Latest News & Topics


Finalized federal rule reduces total duration of short-term health plans to 4 months
A finalized federal rule will impose new nationwide duration limits on short-term limited duration insurance (STLDI) plans. The rule – which applies to plans sold or issued on or after September 1, 2024 – will limit STLDI plans to three-month terms, and to total duration – including renewals – of no more than four months.
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Medicaid work requirement

What is a Medicaid work requirement?

healthinsurance.org health insurance glossary

A Medicaid work requirement is a provision that requires certain Medicaid enrollees to participate in “community engagement” activities (work, school, job training, volunteering, etc.) in order to maintain their health coverage.

Numerous states submitted proposals for Medicaid work requirements

Medicaid work requirements need approval from HHS under an 1115 waiver. This idea had previously been a non-starter throughout the Medicaid program’s history, but the Trump administration encouraged states to submit waiver proposals for work requirements.

Numerous states submitted waiver proposals; you can read more about their proposals here. Ultimately, 13 states received approval from the Trump administration to implement Medicaid work requirements for at least some of their adult Medicaid enrollees.

In some states, the work requirement was designed to apply just to Medicaid expansion enrollees, whereas other states had broader rules. (There were fairly universal exemptions for certain populations, such as pregnant people, older adults, disabled people, etc.)

Only five states actually implemented work requirements

But in most of those states, the work requirements were either overturned by a judge or suspended by the state before they took effect. Only five states actually implemented Medicaid work requirements: Arkansas, Indiana, Michigan, New Hampshire, and Utah.

(As discussed below, Georgia plans to implement a Medicaid work requirement in mid-2023 to go along with the state’s new partial expansion of Medicaid.)

And Arkansas was the only state in which people lost their coverage as a result of the work requirement. In the other four states where work requirements did become effective, they weren’t in effect long enough to result in coverage losses.

Utah and Michigan were the only states where Medicaid work requirements were in effect as of early 2020, and both had suspended their work requirements by the spring of 2020. In Michigan, this was due to a court ruling; in Utah, it was due to the COVID pandemic.

No Medicaid work requirements are currently in effect, but Georgia plans to have one by mid-2023

There have not been any Medicaid work requirements in effect anywhere in the country since the spring of 2020. And in 2021, the Biden administration officially withdrew federal approval for all of the previously-approved Medicaid work requirement waivers.

In 2022, a U.S. District Judge ruled that HHS acted in an “arbitrary and capricious” manner when they revoked Georgia’s Medicaid work requirement approval, thus clearing the way for Georgia to implement its Medicaid work requirement in conjunction with a partial expansion of Medicaid.

States cannot disenroll anyone from Medicaid prior to April 2023, due to pandemic-related rules. But Georgia’s planned implementation of a work requirement is slated for mid-2023, after states resume regular Medicaid eligibility redeterminations and resulting disenrollments for people who are no longer eligible.

Notably, Georgia’s approved work requirement does not include an exemption for a person who is caring for a minor child. This could be changed before the program is implemented, and most of the other states that received approval for Medicaid work requirements did include such an exemption.

States that received waiver approval
for Medicaid work requirements

State Year approved Year implemented Additional comments Current status State expanded Medicaid?
Arizona 2019 N/A Delayed by state; never took effect Approval withdrawn by HHS (June 2021) Yes
Arkansas 2018 2018 Overturned by a judge in 2019, after 18,000 people lost coverage Approval withdrawn by HHS (March 2021) Yes
Georgia 2020 planned for mid-2023 Georgia sued HHS after approval was revoked, and a U.S.  district judge sided with the state in August 2022. Approval withdrawn by HHS (December 2021), but that was overturned by a judge in 2022 and the state plans to implement the work requirement and partial Medicaid expansion in mid-2023 No (but work requirement will include partial Medicaid expansion)
Indiana 2018 Phased in throughout 2018 Coverage losses would have started at end of 2019 but state suspended the program in November 2019 Approval withdrawn by HHS (June 2021) Yes
Kentucky 2018 N/A (halted twice by a court, both times shortly before it was to take effect) Gov. Beshear withdrew work requirement waiver in late 2019 soon after taking office Withdrawn by the state Yes
Maine 2018 N/A Gov. Mills withdrew waiver soon after taking office Withdrawn by the state (2019) Yes
Michigan 2018 2020 (no coverage losses, as it was only in effect briefly) Overturned by judge (March 2020) Approval withdrawn by HHS (April 2021) Yes
Nebraska 2020 N/A Work requirement wouldn’t have been a condition of eligibility. Instead, it would have granted additional benefits (dental, vision, OTC medications) to Medicaid expansion enrollees. Withdrawn by the state Yes
New Hampshire 2018 2019 (no coverage losses as it was in effect briefly) Overturned by court in March 2020 Approval withdrawn by HHS (April 2021) Yes
Ohio 2019 Implementation delayed due to COVID Overturned by a judge in March 2020 Approval withdrawn by HHS (August 2021) Yes
South Carolina 2019 N/A Implementation delayed due to COVID Approval withdrawn by HHS (August 2021) No
Utah 2019 2020 (no coverage losses, as implementation was brief Suspended by state in April 2020 due to COVID. Utah was the last state to have a work requirement in effect. Approval withdrawn by HHS (August 2021) Yes
Virginia N/A N/A Delayed by the state a month before HHS approved the waiver in 2019. Withdrawn by state (2020) Yes
Wisconsin 2018 N/A Implementation delayed due to COVID Approval withdrawn by HHS (April 2021) No

Several other states (Idaho, Mississippi, South Dakota, North Carolina, Alabama, Tennessee, and Oklahoma) had submitted Medicaid work requirement waiver proposals to HHS under the Trump administration, but they were still pending when President Biden took office and were never approved.

You can select a state on this map to learn more about its Medicaid program.


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