Making sure they can keep their health care coverage after they start working is a top priority for many people with disabilities who want to work. You may be afraid that if you work, you will lose your public health care benefits, like MO HealthNet or Medicare, and won’t be able to get the services you need through private health insurance. Or maybe you worry that if you stop working, you won’t be able to get your public health care benefits back.

In this article, we’ll give you information about how you can keep getting public health care coverage when you work. We’ll also look at private health care coverage that you may be able to get through your employer, if you get a job, or on if your job doesn’t offer coverage.

As we explore these options, it’s important for you to think about what your needs are and what services will fulfill those needs:

  • If you can get private health insurance through your job, will that be enough for you?
  • If your job doesn’t offer private health insurance, can you keep getting public health care coverage? If not, will you be able to get affordable individual coverage?
  • If you have needs that aren’t covered by private health insurance, how can you combine private and public health care coverage options to make sure every service you need is affordably covered?

Keep these questions in mind as you read this article. We’ll explain all of these options, so that you can make good decisions and make sure you have the health coverage you need.

Here are some examples of the types of programs we’ll discuss:

Getting work is an important goal. Many people with disabilities have meaningful jobs that they enjoy. Not only will working let you earn your own money, but it will also give you independence. By reading this article, you can learn how you too can get a job and continue to get the health care coverage you need.

Note: DB101 keeps track of changes to health coverage and related laws. DB101 has been and will continue to be updated to reflect any changes. For news related to health coverage, visit the Kaiser Family Foundation.