medicaid income limits ny 2022

%PDF-1.6 % There are good changes and bad changes. Eligible individuals include: Pregnant women and infants; Children ages 1-18; Parents and caretaker relatives of dependent children; or Adults aged 19-64, who are not pregnant and not eligible for Medicare. Furthermore, the application process is complicated and assistance with the process may be welcomed. This has now been folded into the new MAGI adult group whose limit is 138% FPL. See slides 28-49. 2 . New York is seeking approval to impose a lookback period of 30 months for non-institutionalized individuals seeking coverage of CBLTC services. The renewals sthat begin at that time will redetermine eligibility using 2023income and income limits, and the 2023 Medicare Part B premium ($164.90).See this article for tips on renewals. %PDF-1.6 % 2023 MEDICAID INCOME LIMITS. If the non-applicant spouse already has a monthly income of $3,715.50 or more, they will not receive a CSMIA. Posted: 15 Jan, 2009 by David Silva (New York Legal Assistance Group), Updated: 23 Feb, 2023 by Valerie Bogart (New York Legal Assistance Group). Income amount for Medicaid eligibility will be raised to 138% of Federal Poverty Level. See this article. A type of Supplemental Needs Trust, this option can eliminate ones need to spend down income, as discussed above. While the assets of a married couple are also considered jointly owned for Regular Medicaid, there is no Community Spouse Resource Allowance for a non-applicant spouse. 1) Institutional / Nursing Home Medicaid This is an entitlement program; anyone who is eligible will receive assistance. 1) Medically Needy Pathway New York has a Medicaid Excess Income Program that allows persons over Medicaids income limit to still become income-eligible if they have high medical bills. While income deposited into the trust does not count towards Medicaids income limit, trust funds can only be used for limited purposes, such as paying the Medicaid recipients bills. Sources of income that are counted include social security, retirement account distributions, pension, income payable from a trust, and rental income. Mar 3, 2022, 02:55pm EST | . They have NO resource limit. While there are numerous eligibility groups, including pregnant women, children, and disabled individuals, this page focuses on long-term care Medicaid eligibility for New Yorkers aged 65 and over. Read our accessibility statement or click here to enable. Though income for many increased in 2022 with the 5.9% COLA for Social Security, their spend-down . Also, for MAGI -- children < 5 and pregnant women have HIGHER INCOME LIMITS than those shown. WhatS The Difference Between Push Press And Overhead Press? Publication Date March 8, 2022 Feeling stuck? Medicare Extra Help 2022 income limits Medicare Extra Help annual income limits for 2022 are $20,385 for an individual or $27,465 for a married couple living together. This chart is effective starting November 16, 2022 during Open Enrollment for QHP determinations for QHP coverage starting in 2023. Box 11are the MAGI income levels -- forthose under 65 NOT on Medicare (with some exceptions)-- haveexpanded eligibilityup to138% of theFederalPoverty Line. must spenddown to the Medicaid income level. (You may need to allow pop-ups in your browser.) What is the minimum income to qualify for Medicaid in NY? Federal Poverty Level thresholds to qualify for Medicaid The Federal Poverty Level is determined by the size of a family for the lower 48 states and the District of Columbia. income NEW YORK STATE INCOME AND RESOURCE STANDARDS FOR NON-MAGI POPULATION EFFECTIVE JANUARY 1, 2022 MEDICAID INCOME LEVEL 100% FPL 120% FPL 133% FPL 135% 150% 185% 200% 250% FPL FPL FPL FPL FPL . Without proper planning strategies in place, the home will be used to reimburse Medicaid for providing care rather than going to family as inheritance. these limits are 200%), (Only for those in MAGI Category withIncome AboveMAGI Medicaid Limits). The following table provides a quick reference to allow seniors to determine if they might be immediately eligible for long-term care from a New York Medicaid program. 0 He has dedicated his life to helping students achieve their full potential in the classroom and beyond. IRAs, 401(k)s and other qualified plans, provided they are paying out a monthly income. $1,500 earned income + $550 social security = $2,050 gross income. (Examples: single adults earning up to $25,520; adults in family of four earning up to $52,400). excess income because Medicaid is always the payer . Read more, and also, NY Social . %%EOF hbbd```b``z "H=Hdf,/`]`6lu1Y* +.Fg0 ; He is passionate about sharing this knowledge with others, and he frequently speaks at education conferences around the world. . <>/ExtGState<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 1224 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> By working with a Medicaid Planning Professional, families can employ a variety of strategies to help them become Medicaid eligible, as well as protect their home from Medicaids Estate Recovery program. Attorney Advertising. Furthermore, there is no Community Spouse Monthly Income Allowance for a non-applicant spouse. These include Medicaid levels for MAGI and non-MAGI populations, Child Health Plus, MBI-WPD, Medicare Savings Programs and other public health programs in NYS. Warshaw Burstein represents clients in the New York metropolitan area, across the United States and around the world. Log in, Ask us about home visits and evening appointments. 3) Regular Medicaid / Disabled, Aged 65+ or Blind (DAB) This is an entitlement program; anyone who is eligible will receive assistance. 2. Once the spend down has been met, one will be Medicaid eligible for the remainder of the month. See income levels for past years from 2001 through 2022here. Boxes 1 and 2 are NON-MAGI Income and Resource levels -- Age 65+, Blind or Disabled and other adults who need to use "spend-down" because they are over the MAGI income levels. For seniors who have income and / or asset(s) greater than the allowable amounts, Medicaid planning can be invaluable. 2) Medicaid Waivers / Home and Community Based Services (HCBS) This is not an entitlement program; there are a limited number of participant slots and waiting lists may exist. For a married . 1) New York Managed Long Term Care (MLTC) Program Waiver MLTC is intended for seniors who require a Nursing Facility Level of Care, but who prefer to live at home or in an assisted living facility. $2,050 is less than the $2,871 allowed for a 4-person household, so determine net income. There is not an option for New Yorkers 65+ years old to apply online. Read on to find out all the Medicaid income limits by state. What Is The Best Medical System In Oregon? 2023 Federal Poverty Levels and ATTACHMENT New York State Income and Resource Standards for Non-MAGI Population. See morehere. To apply for Medicaid in 2023, you can contact . The home equity limit for Medicaid coverage of nursing facility services and community-based long-term care is $1,033,000. Box 15 - Congregate Care Levels I, II, and III - these are the income limits used in the Assisted Living Programand in Adult Homes (adult care facilities) and other congregate facilties. The spend down amount is the difference between ones monthly income and the medically needy income limit. In addition to nursing home care, NY Medicaid pays for non-medical services and supports to help frail seniors remain living at home or in the community. Here is the Federal Poverty Level (FPL) for 2021. Their household size will be determined using federal income tax rules, which are very complicated. Alaska Medicaid income limits also include the highest limit for households of one person, $22,597. Ones local Area Agency on Aging office may also be helpful in answering program questions and assisting persons with applying for Medicaid. Care is provided only in nursing homes. NYS Income and Resource Limits for Medicaid (2023), Medicaid Applications for Home Care and Nursing Home Care, Power of Attorney and Health Care Directives, Resource Allowance (for Individual): $30,182 (significantly increased from $16,800 in 2022), Resource Allowance (for couple on Medicaid): $40,821 (from $24,600 in 2022), Income Allowance (for Individual): $1,677 per month (a huge increase from $934/mo in 2022), Income Allowance (for couple on Medicaid): $2,268 per month (a huge increase from $1,367/mo in 2022), Resource Allowance (for Individual): $30,182, Resource Allowance (for couple on Medicaid): $40,821, Income Allowance (for Individual in Nursing Home): $50. In 2022, the medically needy income limit is $934 / month for a single applicant and $1,367 / month for a couple. What Is The Maximum Income For Medicaid In Ny 2022? Effective January 1, 2023, these limits will be increased to $1,563 for an individual and $2,106 for a couple. This site is for information purposes; it is not a substitute for professional legal advice. An applicant must have a functional need for long-term care Medicaid. Will Medicaid Pay For Assisted Living In Oregon? Countable vs. Non-Countable Assets Skilled Nursing Facility Co-insurance $200 for rehab days 21-100 if the patient qualifies for rehab services, Medicaid Resource Level for an individual $30,182, Medicaid Resource Level for a married couple $40,821, The Medicaid Income Level for an individual is $1,677, The Medicaid Income Level for a married couple is $2,268, Surplus Income for Home Care can be directed to a pooled income trust, Net Available Monthly Income (NAMI) for Institutional Care goes to the Nursing Home over $50. 1. Long-term care supports are provided to promote independence and may include personal care assistance, adult day care, meal delivery, and home modifications. The Maximum federal Community Spouse Resource Allowance is $137,400. Currently, a single person applying for Community (home-based) Medicaid is permitted to earn $934, and a couple is permitted to earn $1,367of monthly income without it adversely affecting Medicaid benefits. These levels are published by the NYS Office of Temporary & Disability Assistance (OTDA) each year -SSI/SSP 2023 Maximum Monthly Benefit Amounts posted athttps://otda.ny.gov/programs/ssp/or look at OTDA Policy Directives for recent INF directives. CHILDREN UNDER ONE. endstream endobj startxref There are also exempt (non-countable) assets. To be considered dually eligible, persons must be enrolled in Medicare Part A (hospital insurance), and / or Medicare Part B (medical insurance). Payout status means that ones required minimum distribution (RMD) is being withdrawn. The 2023 Veteran's Aid and Attendance Pension Benefit is: Single: $2,229.33 a month or $26,752 annual 1 Dependent (Spouse or Child) $2,642.83 a month or $31,714 annual Widower's benefit $1,567 or $18,804 annual You may apply for Medicaid in the following ways: Through NY State of Health: The Official Health Plan Marketplace Enrollment Assistors offer free personalized help. 1) Institutional / Nursing Home Medicaid - This is an entitlement program; Anyone who is eligible will receive assistance. What assets are exempt from Medicaid in New York? Individuals under 19 years old are eligible for Child Health Plus, not for the Essential Plan. Additionally, to be eligible for Medicaid, you cannot make more than the income guidelines outlined below: Children up to age 1 with family income up to 218 percent of FPL Resource Level: Income Levels: ICF/DD $35.00 . This chart will remain effective for Medicaid, CHPlus, and Essential Plan until the new 2022 FPLs are released. What is the maximum income to qualify for Medicaid in NY? The standard monthly premium for Medicare Part B enrollees will be $170.10 for 2022, Medicaid Resource Level for an individual $16,800, Medicaid Resource Level for a married couple $24,600, The Medicaid Income Level for an individual is $934, The Medicaid Income Level for a married couple is $1,367, Surplus Income for Home Care can be directed to a pooled income trust, Net Available Monthly Income for Institutional Care goes to the Nursing Home over $50. %%EOF Furthermore, the non-applicant spouse, also called a community spouse, is entitled to a minimum amount of monthly income to prevent spousal impoverishment. Following a long-term care Medicaid beneficiarys death, the New York Medicaid agency attempts reimbursement of care costs through whatever estate of the deceased still remains. This is intended to prevent the non-applicant spouse from becoming impoverished, and in 2023, allows that spouse to keep 50% of the couples assets, up to a maximum of $148,620. Medicare Extra Help annual income limits for 2022 are $20,385 for an individual or $27,465 for a married couple living together. Medicaids Look-Back Rule Past Medicaid income and resource levels in NYS are shown on these old NYC HRA charts for 2001 through 2021, in chronological order. Eligible consumers will pay either $20 monthly premium or nothing, depending on income. In 2023, the CSMIA is $3,715.50. 2022 Medicaid Plans by County Medicaid is a program for low-income New York residents. Here are the 2 basic categories and the rules for calculating their household size. 1515 0 obj <>/Filter/FlateDecode/ID[<67158E1E32B5F9478566B737731C983D><0DB2A3BCAEF180489153DA821A8C2C0D>]/Index[1498 25]/Info 1497 0 R/Length 91/Prev 486372/Root 1499 0 R/Size 1523/Type/XRef/W[1 3 1]>>stream By using our website, you agree to our terms of use and privacy policy. endstream endobj 1633 0 obj <. These benefits might include assistance with daily living activities, home health aides, and assistive technology. There is, however, a Community Spouse Resource Allowance (CSRA) that protects a larger portion of a couples assets for the non-applicant spouse of a Medicaid Nursing Home or HCBS Waiver applicant. Thats a 14.5% increase, and is one of the steepest increases in Medicares history. During this period, Medicaid scrutinizes all asset transfers to ensure none were gifted or sold under fair market value. For example, in Maine, its program is called MaineCare, and is a hybrid federal/state program. . The home equity limit for Medicaid coverage of nursing facility services and community-based long-term care is $955,000. Holocaust restitution payments do not count as income. ** Non-MAGI budgeting for Aged, Blind and Disabled only allows a Household size of 1 or 2. MedicaidPlanningAssistance.org is a free service provided by the American Council on Aging, *All of a recipients monthly income, with the exception of a, What is the Medicaid Estate Recovery Program, New York Managed Long Term Care (MLTC) Program Waiver, Program of All-Inclusive Care for the Elderly (PACE), 2023 New York Medicaid Long Term Care Eligibility for Seniors, $30,188 for applicant & $148,620 for non-applicant, Medicaid Waivers / Home and Community Based Services, Regular Medicaid / Aged Blind and Disabled. Income Limit in Most States. For a household with an elderly or disabled member, all shelter costs over half of the household's income may be deducted. Most states 38 and Washington, D.C. have the same income limit of $2,523 per month for a single person for most types of Medicaid services. Medicaid for the Disabled, Aged 65+ or Blind (DAB) is also called NON-MAGI (Modified Adjusted Gross Income) Medicaid. For home exemption, a Nursing Home Medicaid or HCBS Waiver applicant must live in their home or have Intent to Return, and in 2023, their home equity interest must be under $1,033,000. In other states, such as Hawaii for example, with a household of eight, you must have a maximum income of less than $71,342. For program questions or for application assistance, persons can call the Medicaid Helpline at 1-800-541-2831. Family Size. 1.45%For 2022, the FICA tax rate for employers is 7.65% 6.2% for Social Security and 1.45% for Medicare (the same as in 2021). New York Medicaid applicants should be certain that all eligibility requirements are met prior to submitting an application for benefits. for larger size MAGI households. Exemptions generally include ones primary home, personal belongings, household items, a vehicle, burial funds up to $1,500 or a life insurance policy with a cash value up to $1,500, non-refundable pre-paid funeral agreements, and IRAs and 401Ks in payout status. WARNING: Whether to use the income level for 1, 2 or more persons is not intuitive. The limit is higher in Alaska, Hawaii, and Guam. If youre on Medicare, chances are you had a bit of a shock when seeing the 2022 Medicare Part B premium amount. 3,403 If your income is close to the limit, it is often worth applying. Seniors in New York can apply for Medicaid in person at their Local Department of Social Services (LDSS) office, or alternatively, they can call their local office and apply via phone. Box 9 are monthly regional Nursing Home rates, used to calculate the transfer penalty for nursing home care. Under this rule, a child may be excluded from the household if that child's income causes other family members to lose Medicaid eligibility. This category has now been subsumed under the new MAGI adult group whose limit is now raised to 138% FPL. 4 0 obj While ones home is generally exempt from Medicaids asset limit, it is not exempt from Medicaids Estate Recovery Program. MAGI INCOME LEVEL of 138% FPL applies to most adults who are not disabled and who do not have Medicare, AND MAGI can also apply to adults with Medicare if they have a dependent child/relative under age 18 or under 19 if in school. Income and Assets under the New York State Partnership for Long-Term Care A Resource for Active Policyholders . For new applications filed or approved in 2023, the 2023limits will be used for non-MAGI. 1: 2: . It is recommended one keep documentation of how assets were spent as proof this rule was not violated. 223% FPL 2,526. The SSI resource levels remain $2,000 for individuals and $3,000 for couples. h$6F,090(p]GP&Oi@ZTLp2p@U 9! What Are The Old School Projectors Called? This can be thought of as a deductible. One can also prepay funeral and burial expenses, as well as pay off their mortgage or credit card debt. At the end of this list, youll also find average Medicaid spending by state in billions of dollars. Prior years in ARCHIVES link. More. For the NON-MAGI Disabled/Aged 65+/Blind, income will still be determined by the same rules as before, explained in this outline and these charts on income disregards. IMPORTANT: Not meeting all of the requirements does not mean one is ineligible for Medicaid or cannot become eligible. x}mmqwKsh{qq8%Q[F?-@k?|;Gly^o~___Qnu{?P/j-}^Eo/o}^mO^?oJ;y]u}/_??te_nV=\Ss~?3m.lS_}_??=17gm3|;$}3|LFcA}4Lo/|Unk?bm>3hZo_B3>5N>lv/~zCO[>N?~Sp_m{t_me7P!f7MOfllq{?~xt+;jGnfl^+6;~KPWvvX_}Mko=!TK?~zAoSkk>_liO}wQoj{{#~fS5}'~8Eu[XSGoSrXSvvNm ~Qi#g O_EU%_S#?}a^ojS5h_~|S5EmvG:j>.k[x4X7/o=ojwv+~ yQv1^SF?>u% ~%pw] Washington D.C.'s high cost of living factors into its higher income limit for Medicaid. It did not allow "spend down" of excess income. . The spend down amount is the difference between ones monthly income and the Medically Needy Income Level. When only one spouse of a married couple applies for Nursing Home Medicaid or a HCBS Waiver, the non-applicant spouses income is disregarded. The CSMIA allows an applicant spouse to supplement their spouses income by transferring some, or in some cases, all of their income to their spouse. When Edmund isn't working or speaking, he enjoys spending time with his family and friends. Medicaid will also request that 25% of the excess income (over $3,715.50 / month) go towards the applicant spouses care costs. Other eligibility criteria also apply, for example, with respect to citizenship, immigration status and residency. % Familiarizing oneself with general information about the application process for long-term care Medicaid can be helpful. P, Poverty Line, so may now qualify for Medicaid even if they were not eligible before, or may now be eligible for Medicaid without a ", Box 9 are monthly regional Nursing Home rates, used to calculate the, Poverty Line. 2 0 obj $1,510. NYS Department of Health One Commerce Plaza, Rm. They have NO resource limit.B, Box 15 - Congregate Care Levels I, II, and III - these are the income limits used in the, For 2023, the Medicaid non-MAGI limit is higher than the Congregte Care Level III limit, so the higher limit is used as the Medicaid limit for ALP residents. Box 11are the MAGI income levels -- The Affordable Care Act changed the rules for Medicaid income eligibility for many BUT NOT ALL New Yorkers. and some other rules. In Massachusetts, Medicaid is referred to as MassHealth. Edmund Duncan is an education expert and thought leader in the field of learning. However, for the MAGI population - which is virtually everyone under age 65 who is not on Medicare - their income will now be determined under new rules, based on federal income tax concepts - called "Modifed Adjusted Gross Income" (MAGI). I cover real estate, economics and cost of living. 2 1. For Regular Medicaid, there is no home equity interest limit. These same rules apply to the Medicare Savings Program, with some exceptions explained in this article. QMB $1,697 $2,288 No limit No limit Medicaid $1,697 $2,288 $30,182 $40,821 These estimates are based on the 2023 federal poverty level (FPL), and include a standard $20 . Countable assets (often called resources) are calculated towards Medicaids asset limit. In addition, some eligibility groups are limited by age, or by pregnancy or parenting status. The MAGI-based rules generally include adjusting an individual's income by an amount equivalent to 5% FPL disregard. If the applicants spouse lives in the home, it is automatically exempt regardless of any other circumstances. NY Medicaid, which is state and federally funded, is administered by the state under federally set parameters. 4) Medicaid Planning The majority of persons considering Medicaid are over the income and / or asset limit(s), but they still cannot afford their cost of care. Florida Agricultural And Mechanical University, Indiana University Purdue University Indianapolis, Massachusetts Institute Of Technology (Mit), Missouri University Of Science And Technology, State University Of New York Health Science Center At Brooklyn, Suny College Of Environmental Science And Forestry, The University Of North Carolina At Charlotte, The University Of Texas Health Science Center At Houston, The University Of Texas Health Science Center At San Antonio, The University Of Texas M. D. Anderson Cancer Center, The University Of Texas Medical Branch At Galveston, The University Of Texas Rio Grande Valley, Uniformed Services University Of The Health Sciences, University At Buffalo Suny School Of Engineering And Applied Sciences, University Of California, Los Angeles (Ucla), University Of Illinois At Urbana Champaign, University Of Maryland Baltimore County (Umbc), University Of Massachusetts Medical School Worcester, University Of Tennessee Health Science Center, University Of Texas Southwestern Medical Center. More on how Medicaid counts income. 1 0 obj Various long-term care services, such as personal care assistance or adult day care, may be available. Children of families with higher incomes may also qualify in some cases. The income and resources (if applicable) of legally responsible relatives in the household will also be counted. DATE: October 25, 2022 . That would increase the maximum monthly income for those groups from $934 a month to $1,563 a month. The 2023 Veterans Aid and Attendance Pension Benefit is: Single: $2,229.33 a month or $26,752 annual, 1 Dependent (Spouse or Child) $2,642.83 a month or $31,714 annual, Widowers benefit $1,567 or $18,804 annual. Home equity is the current value of the home minus any outstanding mortgage. stream 3 0 obj Remember, assets cannot be gifted or sold under fair market value. Giving gifts under this rule violates Medicaids 5-year Look-Back Period. Washington D.C. has the highest allowable income to qualify for Medicaid, at 215% of the FPL for individuals and 221% for a family of three. These eligibility standards include CHIP-funded Medicaid expansions. New York has a 60-month Medicaid Look-Back Period for Institutional (nursing home) Medicaid that immediately precedes ones Medicaid application date. What is the maximum income to qualify for essential plan in NY 2022? Centers for Medicare & Medicaid Services . Three people: $29,974. Financial eligibility criteria change annually, vary depending on marital status, and is further complicated by the fact that New York offers alternative pathways towards eligibility. BAD: There is no more "spousal" or parental refusal for this population (but there still is for the Disabled/Aged/Blind.) Here, well breakdown Medicaid spending by state and Medicaid income limits by state. In 2023, the Medically Needy Income Level is $1,677 / month for a single applicant and $2,268 / month for a couple. Prior results do not guarantee a similar outcome. What are the Medicare income limits for 2022? FROM: Jennifer R. Shapiro, Director, Medicare Plan Payment Group . New York State offers Child Health Plus as a health insurance plan for kids. In New York City, call the Information Hotline at 311 or (718) 557-1399. There are other ways for New York senior residents to qualify for Medicaid if they do not meet the financial eligibility requirements above. \};}0G% px}!ccM)tuS=;T. This is the amount that the spouse in an MLTC plan or waiver may keep if they and their spouse haveSpousal Impoverishment budgeting. What is the highest income to qualify for Medicaid 2022? Social Security recipients will get a 5.9% raise for 2022, compared with the 1.3% hike that beneficiaries received in 2021. Prenatal Care Assistance Program (PCAP) was Medicaid for pregnant women and children under age 19, with higher income limits for pregnant woman and infants under one year (200%FPL for pregnant women receiving perinatal coverage only not full Medicaid) than for children ages 1-18 (133% FPL). 42 C.F.R. For Nursing Home Medicaid and HCBS Medicaid Waivers, a Nursing Facility Level of Care (NFLOC) is required. Revised October 13, 2022 New York State Income Standards for MAGI Population Effective January 1, 2023 100% FPL. Many states actually have Medicaid income limits that are the same. $2,277. Are an adult who is 19 - 64 years of age. For Medicaid Community (Home Care and Assisted Living) Benefits: Resource Allowance (for Individual): $30,182 (significantly increased from $16,800 in 2022) Resource Allowance (for couple on Medicaid): $40,821 (from $24,600 in 2022) Income Allowance (for Individual): $1,677 per month (a huge increase from $934/mo in 2022) Click on a county or borough shape on the map to view the certified plans for that area. <>/Metadata 956 0 R/ViewerPreferences 957 0 R>> Alternatively, it may be helpful to take the Medicaid Eligibility Test. Some plans include additional benefits such as adult dental and vision coverage for additional premium. Can You Use Oregon Health Plan In Other States? Spouses or legally responsible for one another, and parents are legally responsible for their children under age 21 (though if the child is disabled, use the rule in the 1st "DAB" category. They have NO resource limit.B, Box 12 - MAGI limits for children under 18 and pregnant women (CHIP), Box 13 - Child Health Plus limits for children under age 19 who are not Mediacid-eligible, Box 14 - Disabled Adult Child (DAC) income limits. This can be thought of as a deductible. Certain populations have an even higher income limit -. What is the maximum to qualify for medical? Maximum earnings subject to the Social Security tax also increasedfrom $142,800 a year to $147,000. People in the "MAGI" category - those NOT on Medicare -- haveexpanded eligibilityup to138% of theFederalPoverty Line, so may now qualify for Medicaid even if they were not eligible before, or may now be eligible for Medicaid without a "spend-down."

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