Apple Health for Workers with Disabilities (HWD)

Apple Health for Workers with Disabilities (HWD), program code S08, is a Medicaid buy-in program for working adults age 16 or older with blindness or a disability. HWD provides full Categorically Needy (CN) scope of coverage. Unlike most disability-based Medicaid, HWD has no asset test and no upper income limit, eligibility is based on disability status (federal disability requirements) and being employed (full or part time, including self-employment). Enrollees pay a sliding-scale monthly premium that never exceeds 7.5% of total income. American Indians and Alaska Natives are exempt from premiums. While enrolled in HWD, a person may put earnings into a separate designated account that won't be counted toward eligibility for other Medicaid programs.