Medicaid in Texas (2026): Eligibility and How to Apply

What Is Texas Medicaid?

Medicaid is a joint federal-state health insurance program that provides free or low-cost coverage to people who meet income and eligibility requirements. In Texas, the Medicaid program is called Texas Medicaid. It is administered by the state but jointly funded by state and federal governments.

Texas Has NOT Expanded Medicaid

Texas has not expanded Medicaid under the ACA. Medicaid eligibility for non-disabled, non-pregnant adults without children remains very limited — generally below approximately $9,326 per year. Most low-income adults in Texas who do not fit a traditional Medicaid eligibility category must use the ACA marketplace for coverage.

Adults earning below 100% FPL in non-expansion states like Texas fall into the "coverage gap" — they earn too little to qualify for marketplace subsidies (which start at 100% FPL) but too much for their state’s Medicaid program. The ARP and IRA enhanced subsidies expired on 31 December 2025, and the coverage gap remains a significant issue in non-expansion states.

Texas Medicaid Eligibility Categories

Beyond the general adult expansion (in states that expanded), Medicaid covers several other groups:

• Children: All states cover children in families at much higher income thresholds than adult Medicaid, often up to 200-300% FPL or more through CHIP
• Pregnant women: Covered at higher income thresholds (typically 185-250% FPL) in all states
• People with disabilities: SSI recipients and people with qualifying disabilities are eligible in all states
• Elderly adults: Adults 65+ with limited income and resources qualify through the Medicare Savings Programs

Marketplace as Alternative in Texas

If you don’t qualify for Texas Medicaid, the ACA marketplace is your primary option. Texas marketplace carriers include: Ambetter from Superior HealthPlan, Baylor Scott and White Health Plan, Blue Cross and Blue Shield of Texas, CHRISTUS Health Plan, Cigna, Community First, Community Health Choice, Harbor Health, Imperial Insurance Companies, Moda Health Plan, Molina Healthcare, Oscar, Sendero Health Plans, UnitedHealthcare and WellPoint. and 6 others. ACA premium tax credits are available for households earning between 100% and 400% FPL (~$15,650–$62,600 for a single adult in 2026).