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Medicaid Work Incentive (MWI)

The Medicaid Work Incentive was designed for working people with disabilities who do not qualify for a "free" Medicaid services because their income and/or assets are too high.  The MWI allows a higher income and asset limit and gives you the option to pay a premium for a Medicaid services.  The MWI is not the same as the Medicaid Spenddown because you will pay a premium.

The purpose of this Program is to encourage people with disabilities to return to work or make more money.

To Qualify

  • Have a disability.  You must have a determination of a disability by Social Security or by the Utah Department of Health Medical Review Board.
  • Be employed. 
  • Have assets less than $15,000.  The following are not counted as assets:  The home you live in, savings of your children, retirement funds and one vehicle.
  • Have a household Countable Income of less than 250% of the poverty level. 

If you qualify you may pay a monthly premium for your Medicaid.  The premium is the amount of money you pay to purchase your Medicaid Card to receive Health Care Services. The Premium is calculated based on 5%, 10%, or 15% of your (the person with a disability) net Countable Income.  The premium must be paid for each month that you want to receive medical coverage under the MWI.

What are the Benefits to You?

  • You receive the same health care coverage as the other Medicaid programs.
  • You can earn more money without the risk of losing health care coverage.
  • You can save for big purchases, education and retirement.

Links and Resources

Contact Information

John Nicolaisen
Medicaid Work Incentive Policy Specialist
288 N. 1460 W., Box 143107
Salt Lake City, UT 84114-3107
Phone: (801) 538-9349
Fax: (801) 538-6952 or email at