Worried about losing Medicaid coverage?

Understanding Medicaid eligibility

Where can I find Medicaid coverage updates?

At the beginning of the COVID-19 pandemic, Medicaid agencies paused eligibility reviews so those with benefits could keep them. But starting soon, states will return to their normal eligibility reviews. This review could affect your Medicaid eligibility. You can learn more about your state’s eligibility requirements on the Medicaid website.

What is Medicaid redetermination?

This is the process that states use to ensure that Medicaid enrollees continue to be eligible for Medicaid coverage. This is also called "renewal", "­redetermination" or "­recertification" review.

Here’s how it works: Your state will send you a renewal letter 45 to 30 days before your renewal date to recertify your Medicaid eligibility.

• If you complete your recertification and still qualify, you don't need to do anything else. You’ll remain a Medicaid enrollee.
• If you don’t complete your recertification by the renewal date, you will be disenrolled from Medicaid. You will need to reapply.
• If you complete your recertification and don’t qualify, you will be disenrolled from Medicaid. You can apply for a Banner|Aetna individual & family health plan.

I've heard that the federal public health emergency is ending soon. Is that affecting Medicaid eligibility?

Yes. The public health emergency (sometimes called ­"PHE") was announced in March 2020, when the COVID-19 pandemic began. As part of the PHE, state Medicaid agencies continued health care coverage for people enrolled in Medicaid, even if they were no longer eligible. The continuous coverage rule ended on March 31, 2023, even though the PHE is still ongoing.

Do I still get to keep my Medicaid coverage as long as the PHE continues?

The continuous coverage rule ended on March 31, 2023. So even if the PHE continues, you will need to show you’re still eligible for Medicaid. Your state will send you a renewal letter 45 to 30 days before your renewal date to recertify your Medicaid eligibility. Be sure to complete it and return it by the deadline. You can learn more about your state's eligibility requirements on the Medicaid website.

Other health coverage is available to you

I don’t qualify for Medicaid coverage. What are my options?

You can check out Affordable Care Act (ACA) plans here, or on the Health Insurance Marketplace®. ACA plans make affordable health insurance available to individuals and families so you and your family can stay covered for less. In fact, you may be able to qualify for a $0* or low plan premium.

Want to learn more? Explore Banner|Aetna plans today.

What do Banner|Aetna individual & family plans cover?

Every ACA plan includes prescription drugs, maternity and newborn care, and mental health benefits. With Banner|Aetna plans, you get even more, like the convenience of virtual care and walk-in clinics. Check out the covered benefits and services included in every Banner|Aetna plan to help you feel your best — simply and affordably.

You can shop for a health plan today

How can I explore Banner|Aetna individual & family plans?

Open Enrollment has ended. But losing Medicaid coverage qualifies you for a Special Enrollment Period. That means you can shop for a new health plan and enroll today. To get started, enter your ZIP code to explore coverage options.

Start here to find an affordable plan

How do I know which plan is right for my budget?

Every ACA plan is assigned a metal tier: Platinum, Gold, Silver or Bronze. All plans offer the same quality of care. The metal tier is based on how you and your plan split the costs. Understanding plan levels and costs can help you pick the right plan for you.

Will I qualify for a subsidy?

When you apply for an Affordable Care Act (ACA) plan, you may qualify for a premium tax credit (sometimes called a subsidy). This can lower your monthly premium or even give you a $0 monthly premium.* Other assistance may also be available. You can visit the Health Insurance Marketplace^® to check if you might be eligible for a lower monthly premium before you shop.