Ibrahim Gardner
Medicaid eligibility in Ohio is based on income as a percentage of the Federal Poverty Level (FPL). The income limit is 138% of the FPL, which is roughly $21,597 annually for a single person. If you are under 19, you may qualify for income-based Medicaid if your family's income is 211% of the FPG or less ($67,837 per year or less for a family of four). For those with a family income of 133% of the FPL or less, Medicaid coverage is available at no cost, while for those with a family income of between 133% and 138% of the FPL, low-cost coverage is available. For university students in Ohio, there are several options for health insurance, including their parents' insurance plan, their university's insurance plan, Medicaid, or a health insurance plan purchased through the federal Marketplace.
| Characteristics | Values |
|---|---|
| Income-based Medicaid eligibility | Depends on age, income, and whether the applicant has a disability or is pregnant |
| Income limit for children under 19 | 206% of the Federal Poverty Guidelines (FPG) |
| Income limit for individuals 19 or older | 138% of FPG ($21,597 per year or less if single) |
| Income limit for pregnant women | 205% FPG ($43,358 per year if single and pregnant with the first child) |
| Income limit for low-income adults without dependent children | 133% of the federal poverty level ($1,428 per month) |
| Income limit for families with children under 18 | 211% of FPG ($67,837 per year or less for a family of four) |
| Asset/resource threshold for individuals | $2,000 |
| Asset/resource threshold for couples | $3,000 |
| Income limit for applicants in 2025 | $2,901/month |
| Asset limit for applicants in 2025 | $2,000 |
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What You'll Learn
Income-based Medicaid for students under 19
In Ohio, Medicaid provides essential healthcare coverage for low-income individuals, including adults, children, pregnant women, seniors, and disabled individuals. Eligibility is based on income and asset limits, with specific thresholds varying depending on the applicant's category.
For students under 19, Medicaid eligibility is determined by their family's income. If the family's income is 211% of the Federal Poverty Guidelines (FPG) or less, or $67,837 per year or less for a family of four, they may qualify for income-based Medicaid. This is sometimes called "Healthy Start" for children 18 and younger.
The income limit for Medicaid eligibility in Ohio is typically 138% of the Federal Poverty Level (FPL) for adults, which translates to approximately $21,597 annually for a single person. However, for students under 19, the income limit is more flexible and depends on the family's size and composition.
It's important to note that when determining eligibility, Medicaid will knock 5% off the household income if it is above the specified limit. This means that a family with an income of up to 211% of FPG can still qualify for Medicaid, as the 5% reduction brings their effective income within the eligibility threshold.
In addition to income requirements, certain Medicaid programs in Ohio also impose strict asset limits. For individuals, the asset/resource threshold is $2,000, while for couples, it is $3,000. These limits are in place to ensure that resources are targeted towards those who need them most.
To apply for Medicaid in Ohio, students under 19 can submit a combined application form to their County Department of Job and Family Services (CDJFS) office. They can also call the Ohio Medicaid Consumer Hotline at 1-800-324-8680 or 1-800-292-3572 (TTY) for assistance.
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Income-based Medicaid for students over 19
In Ohio, eligibility for Medicaid is primarily based on household income as a percentage of the Federal Poverty Level (FPL). For students 19 or older, they may qualify for income-based Medicaid if their family's income is 138% of FPG or less, which equates to $21,597 per year or less if they are single.
When determining eligibility, Medicaid will knock 5% of FPG off your household income if you make more than 133% of FPG. This is why it is said that you can make up to 138% of FPG and still get Medicaid. For pregnant women, the income limit is 205% of FPG, or $43,358 per year if single and pregnant with the first child. The baby counts as a family member according to Medicaid.
It is important to note that income limits for Medicaid vary based on Supplemental Security Income (SSI) eligibility, with certain programs imposing strict asset limits in addition to income requirements. For example, in 2025, applicants must have assets below $2,000 and an income limit of $2,901 per month.
In addition to income-based Medicaid, students in Ohio have several other options for health insurance. Firstly, many universities offer affordable health insurance plans to their students, either through their own schemes or in partnership with insurance companies. Secondly, students can remain on their parents' insurance plan until they turn 26. Thirdly, students can purchase health insurance plans that comply with the Affordable Care Act (ACA) through the federal Marketplace. Fourthly, students under 30 can purchase a lower-premium, high-deductible catastrophic health plan to cover serious accidents or illnesses. Lastly, if a student has a job, their employer may offer health insurance.
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Income-based Medicaid for pregnant students
Income-based Medicaid eligibility in Ohio depends on age and income as a percentage of the Federal Poverty Guidelines (FPG). If you are a student aged 18 or younger, you may qualify for income-based Medicaid if your family's income is 211% of the FPG or less (about $67,837 per year or less for a family of four). This limit includes a built-in 5% income disregard, so you may be eligible even if your income is slightly higher. Note that income-based Medicaid for children 18 and younger is sometimes called "Healthy Start."
If you are a student aged 19 or older, you may qualify for income-based Medicaid if your family's income is 138% of the FPG or less (about $21,597 per year or less if you are single). This limit also includes a built-in 5% income disregard, so you may be eligible even if your income is slightly higher.
If you are a pregnant student, you can have an income of up to 205% of the FPG (about $43,358 per year if you are single and pregnant with your first child). According to Medicaid, the baby counts as a family member, so your income limit is higher to accommodate the additional family member. Additionally, coverage for the mother continues for 12 months after the baby is born. It is important to note that resource levels do not matter when determining eligibility for pregnant women.
To apply for income-based Medicaid in Ohio, you can fill out the combined application form and submit it to your County Department of Job and Family Services (CDJFS) office. You can also call the Ohio Medicaid Consumer Hotline at 1-800-324-8680 or 1-800-292-3572 (TTY) for assistance with your application.
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Subsidies on Marketplace plans
In Ohio, eligibility for Medicaid is primarily based on household income as a percentage of the Federal Poverty Level (FPL). Income-based Medicaid eligibility rules vary depending on age, pregnancy status, and disability status. If you are a university student in Ohio, your income (or that of your family) can determine if you qualify for subsidies on Marketplace plans or Medicaid's no- or low-cost health coverage.
For individuals who are 19 or older, income-based Medicaid eligibility is generally determined by whether the individual's family income is 138% of FPG or less, which equates to approximately $21,597 per year or less for a single person. However, it is important to note that when Medicaid counts your income, they will knock 5% of FPG off your household income if you make more than 133% of FPG. This is why it is said that you can make up to 138% of FPG and still qualify for Medicaid.
For pregnant women, the income limit for Medicaid is typically 205% of FPG, which equates to approximately $43,358 per year for a single pregnant woman with her first child. The baby is counted as a family member according to Medicaid.
If you are under 19, you may qualify for income-based Medicaid if your family's income is 211% of FPG or less, which is approximately $67,837 per year or less for a family of four. Additionally, if you are under 19, you may qualify for the Children's Health Insurance Program (CHIP), a federal program designed to assist states in providing coverage for children in working families who earn too much to qualify for Medicaid.
If your income exceeds the limits for Medicaid eligibility, you may still have options for obtaining healthcare coverage. You can consider transitioning to healthcare marketplace plans, such as those available through the federal Marketplace, which may offer subsidies based on your income. These plans typically offer comprehensive coverage, including pre-existing conditions and essential health benefits such as hospital care, emergency services, prescription drug coverage, and mental health services. Additionally, if you are a student at a university or college, you may have access to affordable health insurance plans offered through your educational institution or through insurance companies they partner with.
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Medicaid's no- or low-cost health coverage
In Ohio, Medicaid provides essential healthcare coverage for low-income individuals, including adults, children, pregnant women, seniors, and disabled individuals. Eligibility is primarily based on household income as a percentage of the Federal Poverty Level (FPL). The income limit is generally 138% of the FPL, which is approximately $21,597 annually for a single person.
For those under the age of 19, Medicaid coverage is available through the Children's Health Insurance Program (CHIP). To qualify for CHIP, the family's income must be 211% of the FPG or less, which equates to $67,837 per year or less for a family of four. This program is designed for children in working families who earn too much to qualify for standard Medicaid.
For university students in Ohio, there are several options for health insurance, including Medicaid's no- or low-cost health coverage. The availability of this coverage depends on the student's age and income. If a student is under the age of 26, they can remain on their parents' insurance plan. Additionally, many universities and colleges offer affordable insurance plans to their students, either directly or through insurance companies.
To determine eligibility for Medicaid in Ohio, individuals can compare their income to the state's Medicaid limits on the Ohio Benefits website or by contacting their local County Job and Family Services office. It is important to promptly respond to eligibility notices to ensure continuous healthcare access. The application process requires documentation, including proof of identity, income verification, immigration status (if applicable), and residency verification.
In summary, Medicaid in Ohio offers no- or low-cost health coverage to eligible individuals, including university students, based on their age, income, and other factors. The state has specific income and asset thresholds, and eligibility is determined by comparing an individual's circumstances to these thresholds.
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Frequently asked questions
Income for Ohio Medicaid is based on household income as a percentage of the Federal Poverty Level (FPL). The income limit is 138% of the FPL, which is roughly $21,597 annually for a single person.
If you are a university student, your family's income can determine whether you qualify for Medicaid. If your family's income is 211% of the FPL or less ($67,837 per year or less for a family of four), you may qualify for income-based Medicaid.
If you are under 19, you may qualify for the Children's Health Insurance Program (CHIP). CHIP is a federal program that provides coverage for children in working families who earn too much to qualify for Medicaid.
If you are pregnant, you can qualify for Medicaid with an income of up to 205% FPL ($43,358 per year if single and pregnant with your first child).
You can apply for Ohio Medicaid online, by phone, or in person at county agencies. You will need to provide proof of identity, income verification, immigration status (if applicable), and residency verification.
