Maintaining Health Coverage While Working

One common misperception is that if you go back to work or raise your income in some other way, you’ll lose access to health care coverage. There are several ways to go back to work, raise your income, and still have health care coverage.

Employer-Sponsored Health Coverage

Many employers offer private health coverage plans to their employees. This may be an option for you. Ask your company’s human resources office for details. To learn more, read DB101's article on Employer-Sponsored Health Coverage.

If You Get SSI and Get a Job

If you’ve been on Supplemental Security Income (SSI) and AHCCCS and you work your way off SSI, you may become eligible for SSI's 1619(b) rule.

Rule 1619(b) means that if your monthly SSI cash benefits ends because your wages are too high, you can still get your Arizona Health Care Cost Containment System (AHCCCS) health coverage as long as you don’t earn more than $36,819 per year.

In order to get AHCCCS coverage through 1619(b), your resources must also stay below SSI’s resource limit, which is $2,000 for a person or $3,000 for a couple.

AHCCCS Freedom to Work

If you don’t qualify for 1619(b), AHCCCS Freedom to Work allows you to earn a lot more money while keeping access to AHCCCS coverage.

To qualify for AHCCCS Freedom to Work, you must meet all of the following eligibility criteria:

People in the program pay a monthly premium for their coverage. The premium is based on their income. The maximum monthly premium is $35. To see if you might qualify for AHCCCS Freedom to Work and what your estimated premium would be, use the DB101 AHCCCS Freedom to Work Estimator .

To learn more about Freedom to Work, call 1-855-432-7587 or 1-602-417-5010. You can also read DB101’s AHCCCS Freedom to Work article.

Individual Coverage Through Healthcare.gov

If your income is too high to qualify for AHCCCS, you should be able to buy individual health coverage through Healthcare.gov. If your family's income is at or below 400% of the Federal Poverty Guidelines (FPG), the government may help you pay for your plan through a tax credit. If your family's income is at or below 250% of FPG, the government will also help you get a plan that has lower copayments and other expenses.

To learn more, read DB101's article on Buying Health Coverage on Healthcare.gov.