Healthcare for Workers with Disabilities

Once you get a job in Washington State, you are qualified for Healthcare for Workers with Disabilities (HWD). This program allows you to keep your Medicaid coverage while working. Most Medicaid programs do have a resource limit of $2,000, but HWD does not have a resource limit. This means there is no restriction on how much money you can have in your bank account. 

With HWD, you pay a monthly premium based on the amount of money you make at your job. You pay 2.5% of the money you make each month as your premium. If you have unearned income, such as interest on a bank account, you also pay 7.5% on that monthly income.

For example, If you make $1,000 per month at your job, you would pay $25 per month as your premium to Medicaid.

The HWD Program covers all your copays as well as In-home-care. Medicaid does not always cover as much as other types of insurance, so you may want to combine your Medicaid coverage with an employer-sponsored health plan, which we discuss below.

Through HWD, you may also qualify for the Premium Payment Program. This program may help you pay your premium for your employer-sponsored plan.