# Medicare vs. Medicaid — What's the Difference?

Medicare is federal health insurance mainly for people 65 and older (and some younger people with disabilities), based on work history and age. Medicaid is a joint federal-state program that helps people with limited income and resources pay for health care. You can qualify for both at the same time.

## What it means

- Medicare eligibility is based on age (65+) or qualifying disability, not income.
- Medicaid eligibility is based on income and resources, and rules vary by state.
- People who qualify for both are called 'dual eligibles' — Medicare pays first, and Medicaid can pick up costs Medicare does not cover.
- Medicaid can help pay Medicare premiums and cost-sharing through Medicare Savings Programs.

## Action steps

1. Apply for Medicare through ssa.gov based on age or disability.
2. Contact your state Medicaid office (linked from medicare.gov) to see if you qualify for Medicaid.
3. Ask about Medicare Savings Programs, which can help pay Medicare premiums, deductibles, and coinsurance.

## Deadlines

- Medicaid applications are accepted year-round; there is no annual enrollment window like Medicare Advantage.

## Questions

### Can I have Medicare and Medicaid at the same time?

Yes. People with both are called dual eligibles. Medicare pays first, and Medicaid can cover costs Medicare doesn't, including some services Medicare excludes.

## Sources

- [Medicare and Medicaid (medicare.gov)](https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/your-medicare-options/medicare-medicaid)

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Published: 2026-07-18T00:00:00+00:00
Modified: 2026-07-18T00:00:00+00:00
Last verified: 2026-07-18
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