Losing Medicaid? Here’s What You Need to Know.
By Cynthia Fiester, MSN, RN Chronic Disease Services Coordinator, Linn County Public Health
Losing health insurance can be stressful and confusing, whether it’s Medicaid, employer-based coverage, or a marketplace plan. If you or someone you care about will soon lose or has recently lost health insurance, don’t worry, you’re not alone, and help is available.
Across Iowa and nationwide, trained assisters are ready to guide you through your options for getting and keeping health insurance at no cost to you. With upcoming changes to Medicaid due to Iowa Work Requirements beginning January 1, 2026, and the Big Beautiful Bill, here are some important tips to help you stay covered:
Check Your Mail and Respond Promptly
Iowa Medicaid may send you important notices or requests for information. Make sure to open and respond to mail promptly to avoid losing coverage or benefits. If you have coverage through an employer, be sure to keep your enrollment current when open enrollment time occurs, typically once a year. The federal marketplace also has annual open enrollment and that is a time where you can update your information and change plans if you wish.
If you find out you are losing Medicaid coverage, you will enter into a Special Enrollment Period for 60 days beginning on the date of the qualifying event (the date you lose Medicaid coverage), so it’s important to act quickly to find new insurance. Centers for Medicare & Medicaid Services (CMS) has a Transitioning From Medicaid Job Aid that has more information.
Ask for Help When You Need It
Assistance is just a click away. You can get support from local trained assisters through Healthcare.gov by using your zip code to search. Trained assisters can help you understand your options and guide you through the process.
- If you are covered by employer health insurance, be sure to contact your human resources office if you need help signing up for, understanding, or using your health insurance benefits.
- If you are currently receiving medical care when you lose insurance, work with your care team (nurses, social workers, financial counselors, etc,) for help. You can also call 2-1-1 or visit Unite Iowa as well.
Keep Your Coverage Up to Date
Once you have health insurance, be sure to send in any proof of eligibility that may be requested by Iowa Medicaid or the federal marketplace. If you are required to pay a monthly premium, be sure to pay it on time. Remember to report any life changes. Life changes include things that impact your family/household such as births, deaths, divorce, dependents turning age 26, or changes in income and employment status. Reporting these promptly helps ensure coverage stays active and accurate.
Explore Additional Resources
For more help, visit Healthcare.gov and search for local assistance in your area. You can find local help using your zip code. Local organizations with trained professionals are ready to assist you.
If you or a loved one is facing challenges with health insurance coverage or payment for care, work with a financial counselor or social work staff at the hospital or provider’s office. There are many other means of financial assistance that are often available but there are often specific rules and qualifications for each one.
Losing your health insurance can feel overwhelming, but with the right support and information, you can find and keep the coverage you need. Don’t hesitate to reach out and get help. You deserve to stay protected!
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