How-To

How to Apply for Medicaid in Texas 2026: Step-by-Step

June 30, 2026 · 5 min read · Texas Medicaid overview

If you're pregnant, have children, are 65+, or have a qualifying disability, you may qualify for Texas Medicaid. Here's exactly how to apply in 2026 — including what documents to gather and what to do if you're denied.

Who qualifies for Medicaid in Texas?

• Children: Under 19, income up to 200% FPL via CHIP (higher for children under 6)
• Pregnant women: Income up to 200% FPL for the pregnancy and 60 days postpartum
• Parents and caregivers: With dependent children at very low income (often 17–18% FPL)
• Adults 65+: Who meet income and asset criteria
• Adults with disabilities: Who receive SSI or otherwise meet SSI criteria
• Long-term care: Who need nursing home or home care and meet financial criteria

Working-age adults without dependent children or a qualifying disability do not qualify for Texas Medicaid, even with very low income. For them, see "What if I don't qualify?" below.

Documents to gather before applying

• Photo ID (driver's license, state ID, or passport)
• Social Security numbers for all household members applying
• Proof of Texas residency (utility bill, lease, or official mail)
• Proof of income (pay stubs, tax returns, or Social Security award letter)
• Proof of citizenship or immigration status
• If pregnant: a letter or documentation from your doctor
• If disabled: medical records or SSI/SSDI award letter

How to apply — step by step

1. Online (fastest): Go to YourTexasBenefits.com, create an account, and complete the application. You can upload documents directly.
2. By phone: Call 2-1-1, choose option 2 for HHSC. Hours: Mon–Fri 8am–6pm CT.
3. In person: Visit your local HHSC benefits office. Bring all documents. Waits can be long — going early in the week is recommended.
4. By mail: Download and print Form H1010, complete it, and mail to your local HHSC office.

After you apply

Texas HHSC has 45 days to process your application (90 days for disability-based applications). You'll receive a letter by mail with the decision. If approved, your coverage may be retroactive to the first day of the month you applied or up to 3 months prior (retroactive coverage applies in limited circumstances).

If denied, you have the right to request a fair hearing within 90 days of the decision. Contact HHSC Appeals & Hearings or get help from a legal aid organization.

Common questions

Who qualifies for Medicaid in Texas?

Children, pregnant women, parents of dependent children at very low income, seniors 65+, and people with disabilities. Texas did not expand Medicaid, so most single adults or couples without children don't qualify.

How do I apply for Medicaid in Texas?

The fastest way is online at YourTexasBenefits.com. You can also apply by phone (2-1-1), in person at an HHSC office, or by mail.

How long does Texas Medicaid take to approve?

Up to 45 days for most applications, 90 days for disability-based. Pregnant women and children are often approved faster.

What if I don't qualify for Texas Medicaid?

If you're a working-age adult without qualifying children or disability: check HealthCare.gov for subsidized marketplace plans, find a federally qualified health center at findahealthcenter.hrsa.gov, or look for free clinics in your area.