How to Sign Up

Application

There are different ways to apply for AHCCCS:

When you fill out your application, make sure to answer all questions completely, including questions about your income and whether you have a disability.

No matter how you apply, it is important to know that if you are not eligible for AHCCCS, you may be able to get private insurance subsidized by the government.

Note: If you get Supplemental Security Income (SSI) or are on SSI 1619(b), you don’t need to apply; you’ll get AHCCCS coverage automatically.

Which is better, Health-e-Arizona or Healthcare.gov?

Health-e-Arizona is the easiest way to apply for AHCCCS if you think you might qualify. Health-e-Arizona also lets you apply for other benefits, like Nutrition Assistance (formerly Food Stamps), at the same time.

Healthcare.gov is a good option if you don’t think you will qualify for AHCCCS, because it will also check and see if you can get private coverage with subsidies.

The bottom line: Both systems will help you find the benefits you need. The big difference is that, depending on your situation, one might be a bit faster than the other.

Staying on AHCCCS

Usually, once you are approved for AHCCCS, you will continue to get it for 12 months if your situation does not change. If your income, immigration status, residency, or household size changes, update your information on Health-e-Arizona or let your DES/Family Assistance Administration office know. When you report your changes, the eligibility system will tell you whether you will continue getting AHCCCS or if you have new health coverage options. There will always be at least one health coverage option for your family.

If you need help

If you need help applying for AHCCCS, try the following options:

If You Get SSI, You Get AHCCCS Automatically

If you get Supplemental Security Income (SSI), you get AHCCCS automatically. You don’t have to fill out any additional paperwork. Read DB101’s SSI article for more information about whether you qualify for SSI.

Staying on AHCCCS through SSI 1619(b) if Your SSI Benefits End

If your SSI benefits go to zero because you go back to work, an SSI rule called 1619(b) lets you to keep your AHCCCS coverage if you:

  • Were eligible for SSI benefits for at least 1 month
  • Need AHCCCS coverage to keep working
  • Still meet all the other SSI requirements, such as being disabled and having resources below $2,000, and
  • Make less than $36,819 in gross income per year.
    • If your earnings are over this limit and you have high medical expenses, you might still qualify for 1619(b). Ask your local Social Security office about the 1619(b) Individualized Earnings Threshold.

For additional information, read the DB101 SSI article, check out Social Security’s webpage on 1619(b), or talk to a Work Incentive Consultant.

Note: If you don’t qualify for AHCCCS through 1619(b) because your income or resources are too high, you may qualify for AHCCCS Freedom to Work. Read DB101’s AHCCCS Freedom to Work article to learn more.

Example

Joe had been getting SSI for several years when his health improved and he decided to go back to work. After he started working, his income increased to $3,000 per month ($36,000 annually) causing his monthly SSI benefit to drop to zero.

Even though his income is now higher than the usual income limits for AHCCCS, he is still eligible for AHCCCS through 1619(b) because his annual income is less than $36,819.

By the time he’d been working for a year, Joe had saved up more money than SSI’s $2,000 resource limit, so he switched to AHCCCS Freedom to Work and paid a small monthly premium so he could keeping getting his AHCCCS coverage.