Yadda ake Cancantar Medicaid a 2026: Ƙididdigar Kuɗi & Jagorar Aikace-aikace

Yadda kake cancantar shiga Medicaid ya dogara sosai da jihohin ku. A cikin jihohi 40 da kuma Washington D.C. waɗanda suka faɗaɗa Medicaid a ƙarƙashin Dokar Kulawa mai araha, manya da ba su kai shekara 65 ba suna cancanta idan kuɗin shiga na gidansu ya kasance a ko ƙasa da 138% na Matsayin Talauci na Tarayya. Don 2026, wannan kusan dala 22,025 ne a kowace shekara ga mutum ɗaya ko dala 45,540 ga iyali na huɗu. A cikin jihohi 10 da ba su faɗaɗa ba (Alabama, Florida, Georgia, Kansas, Mississippi, South Carolina, Tennessee, Texas, Wisconsin, Wyoming), cancanta tana da tsauri sosai. Dokar kasafin kuɗi na tarayya ta 2025 kuma tana ƙara buƙatun aiki tun daga Mayu 2026 ga wasu jihohi, tare da Ofishin Kasafin Kuɗi na Majalisa da ke kimanta cewa mutane miliyan 5.3 na iya rasa ruɗawa nan da 2034. A cewar Medicaid.gov, kusan mutane miliyan 80 na Amurka a halin yanzu suna cikin Medicaid ko CHIP.

Wannan jagorar ta yi bayanin yadda ake cancantar Medicaid a 2026, gami da iyakokin kuɗin shiga ta rukunin, dokokin kadarori, bambance-bambance tsakanin jahohin faɗaɗawa da jahohin da ba su faɗaɗa ba, da kuma yadda ake aikatawa. Bayanin ya fito ne daga Medicaid.gov, CMS, da shirye-shiryen Medicaid na jihohi.

Iyakokin Kuɗin Shiga na Medicaid na 2026

Medicaid yana amfani da tsarin cancantar kuɗin shiga guda biyu daban-daban dangane da wanne rukunin ya shafi ku:

MAGI Medicaid (Modified Adjusted Gross Income). Ana amfani da shi ga manya, yara, mata masu juna biyu, iyaye, da manya masu faɗaɗawa ta ACA. Babu gwajin kadarori da ya shafi MAGI Medicaid. Ana ƙididdige kuɗin shiga a matsayin kashi na Matsayin Talauci na Tarayya.

A jahohin faɗaɗawar Medicaid (jahohi 40 + DC), iyaka ga manya shine 138% FPL:

• Babban mutum ɗaya: $22,025/shekara ($1,835/wata)

• Ma'aurata: $29,720/shekara ($2,477/wata)

• Iyalin mutane uku: $37,440/shekara ($3,120/wata)

• Iyalin mutane huɗu: $45,540/shekara ($3,795/wata)

Non-MAGI Medicaid. Ana amfani da shi ga tsofaffi (65+), mutanen da ke fama da nakasa, da masu neman kulawar dogon lokaci. Ya haɗa da iyakokin kuɗin shiga DA gwajin kadarori:

• Iyakacin kuɗin shiga na Medicaid na kulawa dogon lokaci (2026): $2,982/wata ga mutum ɗaya, $5,964/wata ga ma'aurata

• Matsayin Kuɗin Rabin Tarayya (FBR) na 2026: $994 ga mutum ɗaya, $1,491 ga ma'aurata

• Iyaka kan kadarori (yawancin jihohi): $2,000 ga mutum ɗaya

• B allowance na Iyali Ba tare da Mata ko Miji ba: har zuwa $162,660

Bambance-bambancen da suka shafi jihohi. Wasu jihohi suna ba da damar MAGI Medicaid sama da 138% (Connecticut, DC, Maine, Maryland, Massachusetts), yayin da wasu ke iyakancewa zuwa ƙananan kashi. Iyakokin kadarori a cikin Non-MAGI Medicaid sun bambanta: Connecticut, Delaware, Louisiana, Maine, Mississippi, Vermont, da sauransu ba su da iyakar kadarori. California tana da mafi girman iyakar kadarori ($130,000 ga mutum ɗaya / $195,000 ga ma'aurata don 2026).

Don cikakkun bayanai na Medicaid na jihohi, duba jagorar mu na Medicaid Illinois da (za su fito) labarai na musamman ga jihohi don California, Pennsylvania, Michigan, da North Carolina.

Faɗaɗawar Medicaid vs Jahohin Da Ba Su Faɗaɗa Ba

Inda kake zaune yana ƙayyade ko ka cancanta bisa kuɗin shiga kawai ko kuma ka fuskanci ƙa'idodi masu tsauri:

Jahohin Faɗaɗawa (jahohi 40 + DC): Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, DC, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina (tun Disamba 2023), North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Dakota, Utah, Vermont, Virginia, Washington, West Virginia.

A jahohin faɗaɗawa:

• Manya suna cancanta bisa kuɗin shiga kawai (138% FPL)

• Babu gwajin kadarori don MAGI Medicaid

• Manya marasa yara suna cancanta ba tare da la'akari da yanayin iyali ba

• Tsarin aikace-aikacen guda ɗaya ta hanyar hukumar Medicaid ta jihar

Jahohin Da Ba Su Faɗaɗa Ba (10): Alabama, Florida, Georgia, Kansas, Mississippi, South Carolina, Tennessee, Texas, Wisconsin, Wyoming.

A jahohin da ba su faɗaɗa ba:

• Manya yawanci suna buƙatar zama iyaye, tsofaffi, ko masu fama da nakasa don cancanta

• Texas tana iyakance iyaye ga kusan 17% FPL (~$273/wata ga iyali na uku)

• Alabama tana iyakance iyaye ga kusan 18% FPL

• Manya marasa yara gabaɗaya ba sa cancanta ba tare da la'akari da kuɗin shiga

Ramin Ruɗawa. Kusan miliyan 1.4 na marasa inshorar da ba su da matsuguni a jahohin da ba su faɗaɗa ba suna samun kuɗi fiye da yawa don Medicaid a jaharsu amma kuma ƙasa da yawa (ƙasa da 100% FPL) don kuɗin rajista na kasuwar ACA. Kusan kashi 97% na waɗannan mazauna da abin ya shafa suna zaune a jahohin Kudancin, tare da Texas kaɗai tana bada gudummawar kashi 42% na dukkan ramin ruɗawa.

Don cikakkun bayanai na faɗaɗawar Medicaid da yadda tsarin Medicare da Medicaid suke da alaƙa, duba jagororinmu na ginshiƙi.

Abin da Medicaid ke Rufewa

Medicaid yana rufe nau'ikan sabis na kiwon lafiya masu yawa. Musamman fa'idodi sun bambanta ta jihohi amma sabis na tilas na tarayya sun haɗa da:

• Kulawar asibiti na cikin gida da waje

• Sabis na likita

• Sabis na dakin gwaje-gwaje da na X-ray

• Sabis na Cibiyar Kiwon Lafiya da aka amince da ita ta Tarayya

• Sabis na tsara iyali

• Sabis na ma'aikaciyar jinya

• Sabis na yara

• Kulawar mata masu juna biyu

• Sabis na gidan jinya ga manya

• Sabis na kiwon lafiya a gida

• Sabis na kulawa dogon lokaci

• Sufurin likita na gaggawa

Fa'idodin zaɓi waɗanda suka bambanta ta jihohi sun haɗa da rufin hakori, kwayoyi na likita, tabarau, sabis na kiwon lafiyar kwakwalwa, gyaran jiki, kulawa ta karshe, hakori na wucin gadi, da sabis na gyaran jiki iri-iri.

Don cikakkun bayanai na rufin musamman, duba jagororinmu kan Medicaid na hakori ga manya, masu gyaran hakori da ke karɓar Medicaid, da masu ilimin ido da ke karɓar Medicaid.

Yadda ake neman Medicaid

Kuna iya neman Medicaid a kowane lokaci na shekara. Babu lokacin rijista na buɗewa. Tsarin aikace-aikace na matakai biyar:

Mataki na 1: Tabbatar cewa kana cikin rukunin cancanta. Mafi yawan manya a jahohin faɗaɗawa suna cancanta bisa kuɗin shiga kawai. Mazauna jahohin da ba su faɗaɗa ba suna buƙatar zama iyaye na yara masu dogaro, masu juna biyu, tsofaffi, ko masu fama da nakasa.

Mataki na 2: Tarwatsa takardun ka. Ana buƙata don mafi yawan aikace-aikace:

• Katin Katin Tsaro na zamantakewa ga dukkan membobin gida

• Hoto ID ko lasisin tuƙi

• Shaidar kuɗin shiga (kwafin albashi na baya-bayan nan, bayanan haraji, wasiƙar fa'idar Tsaro ta zamantakewa)

• Shaidar zama (bill ɗin wutar lantarki, haya)

• Shaidar zama ɗan ƙasa ko matsayin ƙaura

• Ga mata masu juna biyu: tabbacin likita na ciki

• Ga nau'ikan da ba MAGI ba: bayanan banki, takardar shaidar kadarori

Mataki na 3: Zaɓi yadda za a nemi. Zaɓuɓɓuka sun bambanta ta jihohi amma yawanci sun haɗa da:

• Kan layi ta hanyar portal na Medicaid na jihar ku

• Kan layi ta hanyar HealthCare.gov (ga jahohin da ke amfani da kasuwar tarayya)

• Ta waya tare da hukumar Medicaid ta jihar ku

• Ta hanyar aika takarda

• A wuri a ofishin Medicaid na gida ko cibiyar kiwon lafiya ta al'umma

Mataki na 4: Aika aikace-aikacen ku kuma amsa buƙatu. Yawancin jihohi suna sarrafa aikace-aikace a cikin kwanaki 30-45. Aikace-aikacen da suka shafi nakasa na iya ɗaukar har zuwa kwanaki 90. Amsa nan da nan ga duk wani buƙatar takarda don guje wa jinkiri.

Mataki na 5: Karɓi shawarar cancantar ku. Idan an amince da ku, za ku sami sanarwa ta wasiƙa tare da ranar farawa da ID na Medicaid. Kuna iya samun damar yin rajista a cikin tsarin kulawa da aka sarrafa ta atomatik idan jihar ku na amfani da shi.

Idan an ƙi, kuna da haƙƙin daukaka ƙara. Gabaɗaya, zaku iya buƙatar sauraren ƙara cikin kwanaki 30-90 na ƙin yarda dangane da jihar ku.

Ƙididdigar Ayyukan Aikin Medicaid na 2026

Dokar kasafin kuɗi ta tarayya ta 2025 (an sanya hannu a ranar 4 ga Yuli, 2025) tana ƙara buƙatun aikin Medicaid ga manya masu faɗaɗawa wanda zai fara aiki a 2026:

• Nebraska: Tun daga Mayu 2026, manya masu faɗaɗawa dole ne su bayar da shaidar ayyuka masu cancanta na awanni 80 a kowane wata

• Montana: Tun daga Yuli 2026, buƙatar awanni 80 iri ɗaya

Ayyukan da suka cancanta sun haɗa da aikin yi, horar da aiki, aikin sa kai, ilimi, ko kula da yara. Gabaɗaya ana ba da keɓancewa ga:

• Mata masu juna biyu

• Mutanen da ke fama da nakasa

• Masu kula da yara ƙanana

• Dalibai da suka yi rajista aƙalla rabin lokaci

• Mutanen da ke cikin maganin jarabar abubuwan sha

Ana tsammanin cikakkun jagororin tarayya kan keɓancewa daga CMS nan da Yuni 2026. Ofishin Kasafin Kuɗi na Majalisa ya kimanta cewa mutane miliyan 5.3 na iya rasa ruɗawa ta Medicaid daga buƙatun aiki kaɗai nan da 2034.

Tambayoyi Akai-akai

Menene iyakar kuɗin shiga don cancantar Medicaid a 2026?

Ga yawancin manya a jahohin faɗaɗawa na Medicaid, iyaka shine 138% na Matsayin Talauci na Tarayya: $22,025/shekara ga mutum ɗaya ko $45,540 ga iyali na huɗu a 2026. Medicaid na kulawa dogon lokaci yana amfani da wani iyaka na kuɗin shiga na $2,982/wata ga masu neman shiga ɗaya. Jahohin da ba su faɗaɗa ba suna da iyakoki masu tsauri sosai, yawanci 17-50% FPL ga iyaye.

Zan iya samun Medicaid idan ina aiki?

Ee. Manya masu aiki da yawa suna cancanta don Medicaid a jahohin faɗaɗawa saboda iyakar kuɗin shiga (138% FPL) tana da yawa sama da ƙididdigar mafi ƙarancin albashi na tarayya. Mutum ɗaya mai samun kuɗi har zuwa kusan $22,025/shekara yana cancanta. Wasu jihohi suna da mafi girman iyakoki. Bukatun aikin na 2026 a Nebraska da Montana suna shafar waɗancan manya kawai da ke cancanta bisa kuɗin shiga, ba sabbin masu neman ba.

Ina buƙatar zama ɗan ƙasar Amurka don cancantar Medicaid?

Kuna buƙatar zama ɗan ƙasar Amurka, mazaunin dindindin na doka, ko kuma kuna da wani matsayin ƙaura mai cancanta. Yawancin baƙi na halal suna jira shekaru 5 bayan shigowa kafin su cancanci Medicaid, kodayake mata masu juna biyu, yara, da masu gudun hijira ba sa cikin wannan lokacin jiran. Wasu jihohi (NY, CA, IL, OR) suna ba da ruɗawa da jihohi ke tallafawa ga waɗanda ba ƙasar Amurka ba ne ba tare da la'akari da matsayin ƙaura ba.

Yaya tsawon lokacin da ake ɗauka don amincewa da Medicaid?

Yawancin jihohi suna sarrafa aikace-aikacen MAGI Medicaid a cikin kwanaki 30-45. Aikace-aikacen da suka shafi nakasa na iya ɗaukar har zuwa kwanaki 90. Mata masu juna biyu sau da yawa suna cancanta don cancanta ta gaba cikin kwanaki. Idan an amince da ku, ruɗuwar ku yawanci tana farawa ranar farko ta wata da kuka nemi (ko wata da ta gabata, dangane da ƙa'idodin ruɗawa ta baya a jihar ku).

Shin Medicaid yana da gwajin kadarori?

MAGI Medicaid (mafi yawan manya, yara, da mata masu juna biyu) ba shi da gwajin kadarori. Non-MAGI Medicaid (tsofaffi, masu fama da nakasa, kulawa dogon lokaci) ya haɗa da gwaje-gwajen kadarori, yawanci $2,000 ga masu neman shiga ɗaya. Gidan ku na farko (har zuwa dala 1,071,000 na haɓaka a mafi yawan jihohi), mota ɗaya, kayan gida, da kuɗin jana'iza yawanci ba a haɗa su cikin ƙididdigar kadarori ba.

Zan iya samun Medicaid da Medicare?

Ee. Idan ka cancanci duka biyun, ana kiranka "dual eligible." Medicaid yana rufe abin da Medicare bai rufe ba (kuɗin rajista, tsabar kuɗi, haɗin gwiwa, kulawa dogon lokaci). Masu cin gajiyar da ke da duka biyu sau da yawa suna cancanta ta atomatik don Medicare Extra Help da Shirye-shiryen Ajiyar Kuɗi na Medicare. Don ƙarin bayani game da wannan haɗin, duba jagorar Medicare vs Medicaid.

Babban Magana

Yadda ake cancantar Medicaid a 2026 ya dogara da farko ga inda kake zaune. A cikin jahohin faɗaɗawa 40 da DC, manya suna cancanta da kuɗin shiga a ko ƙasa da 138% FPL ($22,025/shekara ga mutum ɗaya, $45,540 ga iyali na huɗu). A cikin jahohin da ba su faɗaɗa ba 10 (AL, FL, GA, KS, MS, SC, TN, TX, WI, WY), cancanta tana da tsauri sosai, sau da yawa tana buƙatar matsayin iyaye ko nakasa. Babu lokacin rijista na buɗewa; zaku iya neman a kowane lokaci. Yawancin jihohi suna sarrafa aikace-aikace cikin kwanaki 30-45. Bukatun aikin dokar kasafin kuɗi ta tarayya ta 2025 zai fara aiki a 2026 a Nebraska da Montana, tare da ƙarin jihohi masu yiwuwa su biyo baya. Don cikakkun bayanai na Medicaid, duba jagororinmu na Medicaid, Medicaid Illinois, da Medicare vs Medicaid.