The Affordable Care Act Medicaid expansion in Texas is a hot topic on the minds of many state residents. Others may be wondering, “What is the Obamacare Medicaid expansion and how does it affect me and my family? One part of the ACA Medicaid expansion is the increase of cost-free healthcare benefits for low-income households. Enlargement of Affordable Care Act Medicaid eligibility in Texas is just one feature in this propose change. Find out more Obamacare Medicaid expansion details in the topics below:

  • What is the expansion of Medicaid in Texas?
  • Texas Obamacare Medicaid expansion details
  • ACA Medicaid expansion cost to states and Texas
  • What Is the Expansion of Medicaid?

The Affordable Care Act Medicaid expansion provides participating states with hundreds of millions or even billions of dollars, which the state can then use to cover the medical costs of low-income adults. When a state accepts the ACA Medicaid expansion funding package, the state must then change the candidate eligibility requirements for receiving Medicaid benefits. The ACA Medicaid expansion makes Medicaid coverage more accessible, as it allows Medicaid beneficiaries to qualify on household income alone. The Affordable Care Act Medicaid eligibility guidelines under the new expansion simply require Medicaid petitioners to be adults between 18 and 64 years of age with an income below 133 percent of the Federal Poverty Level. As a result, a larger group of eligible individuals becomes eligible for Medicaid coverage and benefits.

Currently, Texas Affordable Care Act Medicaid eligibility has multiple factors such as income, disability, household size, family status, age and other criteria. Without a Texas ACA Medicaid expansion, guidelines require an income limit of $32,253 for a family of four. The income limit is around $16,500 for a single person and $22,000 for a childless married couple. Specific rules for standard Medicaid eligibility vary by area.

While all 50 states in the U.S. offer standard Medicaid benefits, many states like Texas opted out of the Affordable Care Act Medicaid expansion. An Affordable Care Act Medicaid application is available for eligible applicants to complete. Although there is no ACA Medicaid expansion in Texas, some low-income individuals, families, elderly people and people with disabilities may still qualify for Medicaid in Texas. Applicants can complete the Texas Affordable Care Act Medicaid application online, in person, by phone or mail.

Texas Obamacare Medicaid Expansion Details

When Congress initially passed the ACA Medicaid expansion as part of the Affordable Care Act, it made the new income-only Medicaid qualifications mandatory for all 50 states. Lawmakers created the mandatory requirement in order to provide coverage for individuals who fell into an eligibility gap. These applicants do not meet the eligibility guidelines for standard Medicaid, but their incomes are too low to qualify for savings from the Affordable Care Act. However, the Supreme Court later ruled that this Medicaid provision must be voluntary for states. At this time, some healthcare applicants in non-participating states, including Texas, do not qualify for Medicaid coverage or savings from an ACA insurance plan.

Currently, 31 states and the District of Columbia have opted to expand Medicaid through the federal funding provided by the Affordable Care Act. Researchers predict that the expansion will result in anywhere from 15.07 million to 24.26 million more annual primary care visits by 2019. According to a survey report by the United States Department of Health and Human Services, an ACA Medicaid Expansion in Texas would provide health insurance coverage for an estimated 1,107,000 Texans.

ACA Medicaid Expansion Cost to States and Texas

The ACA Medicaid expansion is mostly a federally funded program, as the Obamacare Medicaid expansion does not require spending from the states initially. The ACA Medicaid expansion cost to states who accepted the Medicaid expansion in 2014 was nothing. The U.S. federal government pays all of the healthcare costs of newly eligible Medicaid beneficiaries for over three years until 2017. At that time, the federal government will gradually decrease coverage to 90 percent in 2020.

The federal government proposes additional financial incentives and benefits to states that choose to expand Medicaid. One incentive includes providing three years of full federal funding even if state officials wait to accept the expansion in 2017. In addition, proponents of ACA Medicaid expansion in Texas and other non-expansion states claim that accepting the funding would actually help these states save millions or even billions on other related costs, such as uncompensated care.