Senior Health Insurance Information Program (SHIP)
Free, unbiased Medicare counseling in Utah. Trained counselors go through your costs and choices with you, and they don't sell plans.
Medicare and health costs
Utah Medicaid in Utah
Utah Medicaid can pay health costs Medicare doesn't for people 65 and older.
You may qualify with income up to the poverty level and savings up to $2,000 for one person, and if your income is higher you may still qualify by spending down to that level with medical bills. The Department of Workforce Services handles applications.
How to apply in Utah
- By phone
- 1-866-435-7414
- In person
- At any Department of Workforce Services (DWS) office.
- By mail
- Mail or fax a paper application to DWS (fax 1-888-522-9505).
Applying is free. Nobody should charge you to apply.
Apply on the official siteWho may qualify in Utah
| One person | Married couple | |
|---|---|---|
| Income limit (from March 1, 2026) | $1,330 a month (100% of the poverty level) | $1,804 a month (100% of the poverty level) Source: Utah Department of Health and Human Services (source 1) |
| Savings limit (2026) | $2,000 | $3,000 Source: Utah Department of Health and Human Services (source 1) |
| Spend-down if your income is over the limit | Yes: you may qualify if medical bills bring your income down to the spenddown level of $1,330 a month for one person or $1,804 for two (2026) Source: Utah Department of Health and Human Services (source 1) |
|---|---|
| Income limit for nursing-home or home-care Medicaid (2026) | $2,982 a month (300% of the SSI rate) Source: Utah Department of Health and Human Services (source 1) |
| Medicaid for adults under 65 (expansion) | Yes: Utah expanded Medicaid to low-income adults under 65 Source: KFF (source 3) |
How Utah is different
Where Utah's rules differ from the federal rules for Medicaid for people with Medicare.
- Higher income limit: 100% of the poverty level
- Spend-down available for people over the income limit
Source: Utah Department of Health and Human Services (source 1)
Free help
Free help with this in Utah
Aging & Adult Services
Your local Area Agency on Aging can help with meals, rides, help at home, caregiver support and applying for benefits.
More help in Utah
Medicaid for older adults in another state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Sources
- Utah Department of Health and Human Services, Table II: Aged, Blind and Disabled Income Limits and Other Important Figures (effective March 1, 2026) (official government site). Checked Oct 28, 2026.
- Utah Department of Health and Human Services, Apply for Medicaid (official government site). Checked Oct 28, 2026.
- KFF, Status of State Medicaid Expansion Decisions. Checked Oct 28, 2026.
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