How to Apply for MassHealth (Massachusetts Medicaid) in 2026
MassHealth (Massachusetts Medicaid) · ACA-3
Content verified 2026-07-17T00:00:00.000Z
All asset transfers and gifts within 5 years are audited under state lookback statutes.
Primary home equity, one vehicle, and personal effects remain protected under community spouse allowances.
Excess income in income-cap states is redirected into a Qualified Income Trust to preserve qualification.
Program overview
MassHealth is Massachusetts' Medicaid program that provides free or low-cost health coverage to eligible individuals and families. The program combines Medicaid and the Children's Health Insurance Program (CHIP) into one comprehensive system that serves residents with limited income and resources. MassHealth covers essential medical services including doctor visits, prescription drugs, hospital stays, mental health services, and long-term care.
To qualify for MassHealth, you must be a Massachusetts resident and meet specific income requirements based on your household size. Children under age 1 may qualify with family income up to 200% of the Federal Poverty Level, while children ages 1-18 can qualify with income up to 300% of FPL. Pregnant women may be eligible with income up to 200% of FPL, and adults including parents and caregivers may qualify with income up to 138% of FPL. The program also serves seniors aged 65 and older and individuals who need long-term care services regardless of age.
MassHealth provides comprehensive coverage including preventive care, emergency services, prescription medications, behavioral health services, dental care, and specialized services for chronic conditions. For seniors and individuals requiring long-term care, the program offers both institutional care in nursing facilities and home- and community-based services through waiver programs to help people remain in their homes when possible.
When applying, gather all required documentation beforehand and be prepared to report any changes in income, household composition, or other circumstances within 10 days. The application process can be completed online, by phone, mail, or in person. For complex situations involving assets, long-term care needs, or estate planning considerations, consulting with a qualified elder law attorney familiar with Massachusetts Medicaid rules is recommended to ensure proper application and asset protection strategies.
Main application form
Massachusetts Application for Health and Dental Coverage and Help Paying Costs
Form ACA-3
Additional forms
Application for Health Coverage for Seniors and People Needing Long-Term-Care Services · SACA-2
For individuals aged 65 or older and people of any age who need long-term care services
Massachusetts Application for Health and Dental Coverage and Help Paying Costs—Additional Persons · ACA-3-AP
For households with more than 4 people applying
