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New Medicaid requirements could leave 5 million people without coverage: what you need to know

New Medicaid rules: Could 5 million lose coverage? What to know

Medicaid has new requirements.
Medicaid has new requirements.Pexels.com

Medicaid's a lifeline for over 80 million Americans, but new rules on the horizon might shake things up big time. A recent report from the Robert Wood Johnson Foundation, highlighted by Newsweek , warns that proposed work requirements could strip coverage from 4.6 to 5.2 million people in states that expanded Medicaid. If you're on Medicaid or know someone who is, here's the lowdown on what's brewing and what it could mean.

The buzz is about work requirements-rules that say you've got to clock hours at a job or job-related activity to keep your benefits. Republicans have been pushing this as a way to trim government spending, especially with the new Department of Government Efficiency (DOGE), led by Elon Musk, eyeing cuts. But here's the kicker: the report says 9 in 10 Medicaid folks already work, are job-hunting, or qualify for exemptions like disability or school. So why the big coverage drop? It's less about laziness and more about paperwork chaos.

"Work requirements are a blunt tool that creates costly istrative red tape," says Katherine Hempstead, senior policy adviser at the Robert Wood Johnson Foundation. She's not wrong-when COVID-era protections ended last year, over 25 million lost coverage, many due to "procedural issues" like missing forms, not ineligibility.

Chris Fong, CEO of Smile Insurance Group, told Newsweek, "The reporting requirement can feel overly burdensome where some people may not be able to keep up with." Think single parents juggling kids or folks with spotty internet-those hoops could mean losing healthcare.

Inside Medicaid's work requirement shift

If these changes hit in 2026, the fallout could be rough. "All because of istrative requirements that were intentionally designed to force people out of the system," finance expert Kevin Thompson told Newsweek.

Without coverage, millions might face medical debt or skip treatments altogether. States that expanded Medicaid-like California or New York-could see the biggest losses, while non-expansion states might dodge the bullet since their rules are already tight.

What can you do? First, check your state's Medicaid site for updates-eligibility varies wildly. If you're enrolled, keep your info current so renewal notices don't miss you. X posts are already sounding off, with one noting, "5.2M could lose Medicaid over this? Insane." Another tip: if you lose coverage, the Affordable Care Act marketplace might be your next stop-plans there can cost under $10 a month for some.

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