The Basics

Many people with disabilities worry that if they start to work and earn more money, they’ll lose their Health First Colorado (Medicaid) coverage. The Health First Colorado Buy-In Program For Working Adults With Disabilities (Medicaid Adult Buy-In) means that you don’t have to be afraid.

With the Medicaid Adult Buy-In (sometimes called WAwD for short), if you have a disability and work, you can earn more and keep your Health First Colorado (Medicaid) coverage. The Medicaid Adult Buy-In pays for almost all the same services that standard Health First Colorado (Medicaid) covers, including visits to the doctor, hospital stays, medical equipment, home care services, and mental health services. You may have to pay a small monthly premium of $200 or less.

To qualify for the Medicaid Adult Buy-In, you must be a U.S. citizen or qualifying noncitizen, at least 16 years old, have a disability, be working, and have $5,648 or less in monthly countable income. (That means you could actually earn as much as $11,380 per month!)

This article will help you understand:

• If the Medicaid Adult Buy-In is right for you
• What services it covers
• How much you will have to pay, and
• How to sign up.

Note: The Health First Colorado (Medicaid) Buy-In Program for Children with Disabilities (or the "Children's Buy-In" for short) is a different program for people who are 18 years old or younger. Learn about it in DB101's Benefits for Young People article.