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Carmen Flores

Can you get unemployment and medicaid at the same time in NY?

I just lost my job last week and I'm trying to figure out all the benefits I can apply for. I know I need to file for unemployment through NYS Department of Labor but I'm also worried about losing my health insurance. Can I get both unemployment benefits and medicaid at the same time? My employer-sponsored insurance ends next month and I can't afford COBRA. Has anyone been on both programs simultaneously?

Andre Dubois

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Yes absolutely! Getting unemployment benefits doesn't disqualify you from medicaid. They're completely separate programs - unemployment is through NYS Department of Labor and medicaid is through the state health department. I was on both for about 6 months last year. Just make sure you report your UI benefits as income when you apply for medicaid, but the amounts are usually low enough that you'll still qualify.

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Carmen Flores

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That's such a relief to hear! Do I need to report my unemployment income every week or just when I first apply for medicaid?

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CyberSamurai

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yep did this myself. unemployment was like $400/week and medicaid covered everything. just be honest about the UI income on your medicaid application

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This is correct - there's no conflict between receiving unemployment insurance and medicaid coverage. The key thing is that unemployment benefits count as income for medicaid eligibility purposes, but in most cases the weekly benefit amount is low enough that you'll still qualify. When you apply for medicaid, you'll need to estimate your annual income including your projected unemployment benefits. Make sure to update your medicaid case if your UI benefits change or when they end.

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Jamal Carter

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Wait so if I'm getting the maximum unemployment benefit of like $504 per week, that's about $26k annually. Would that put me over the medicaid income limit?

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For 2025, the medicaid income limit for a single person is around $20,120 (138% of federal poverty level). So yes, maximum UI benefits might put you slightly over, but there are other medicaid programs and you might qualify for subsidized marketplace insurance instead. Definitely still worth applying.

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Mei Liu

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Been there! Lost my job in March and got both right away. The medicaid application asks about unemployment but it didn't stop me from getting approved. Actually having medicaid was a huge stress relief while dealing with all the NYS Department of Labor stuff and job searching.

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I tried calling the medicaid office to ask about this but couldn't get through to anyone. The phone system is almost as bad as trying to reach NYS Department of Labor! Has anyone found a better way to get answers about how unemployment affects medicaid eligibility? I've been waiting weeks just to talk to someone.

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Andre Dubois

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For medicaid questions I'd try going to a local enrollment office in person if you can. But honestly for getting through to NYS Department of Labor I found this service called Claimyr (claimyr.com) that actually gets you connected to a real person. They have a video demo at https://youtu.be/qyftW-mnTNI showing how it works. Saved me hours of calling and getting hung up on.

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Thanks I'll check that out! So tired of sitting on hold for hours just to get disconnected.

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CyberSamurai

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just apply for both dont overthink it. worst case they say no and you reapply

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Layla Sanders

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I'm going through the exact same situation right now! Just filed for unemployment last week and was worried about the health insurance gap. From what I've learned, you can definitely get both - they're separate programs with different eligibility criteria. The unemployment benefits do count as income for Medicaid, but unless you're getting the maximum weekly benefit, you should still qualify. I'd recommend applying for Medicaid ASAP since it can take a few weeks to process, and you don't want any gap in coverage. Also, if you do end up over the income limit for regular Medicaid, you might still qualify for Essential Plan or subsidized marketplace insurance. Good luck with everything!

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