NJ WorkAbility Eligibility

If you get a job and are either making too much money or have saved up too much money to get Medicaid, you might qualify for Medicaid's Medicaid's NJ WorkAbility program program. NJ WorkAbility offers the same coverage as standard Medicaid, but you may have to pay a monthly premium to keep your coverage.

To qualify for NJ WorkAbility, you must:

Get more information about the NJ WorkAbility income limits.

NJ WorkAbility’s monthly premium

If your countable income is more than 150% of the Federal Poverty Guidelines ($1,610 per month for an individual), the monthly premium for NJ WorkAbility coverage is $25. If your countable income is less than 150% of the FPG, there is no charge.


Freddy has no unearned income and makes $5,052 per month at his job. He makes way too much money for Medicaid, so his county worker tells him to apply for NJ WorkAbility.

When the county reviews his application, it says Freddy only has $2,483 in countable income, so he easily qualifies for NJ WorkAbility. He has to pay a $25 monthly premium, but it’s less than he’d have to pay for private insurance.

How to Apply for NJ WorkAbility

Before you apply, NJHelps lets you get an anonymous estimate of whether you are eligible for Medicaid's NJ WorkAbility program or other state and federal programs.

You can apply for Medicaid's NJ WorkAbility program:

NJ FamilyCare lists the information and documents you may need when you apply. For help with your application, talk with a Health Benefits Coordinator at 1-800-701-0710 or 1-800-701-0720 (TTY).

If you don't qualify for Medicaid's NJ WorkAbility program, you may be able to get private insurance subsidized by the government through tax credits.

Learn more about NJ WorkAbility in DB101’s How Health Benefits Work article.