Due to job loss my income has been very little (~$500/month), so I enrolled in Medicaid starting in December of last year. I'm due up for renewal as my coverage ends at the end of this November. I would be fine with reapplying to Medicaid, but the problem is my income will jump dramatically (~$30-40k total) in calendar year 2027 due to projected stock sales, so I will no longer be eligible for Medicaid.

I will have a 1 month gap between my Medicaid coverage ending (November 30, 2026) and projected ACA coverage starting (January 1, 2027). I haven't applied to renew Medicaid yet, nor have I applied for ACA coverage yet. I'm trying to find the best course of action to be covered for this December (whether that be under Medicaid or ACA plan), but also insuring that I will transition smoothly to an ACA plan starting in January 2027.

Regarding Medicaid, I know that I'm not supposed to report any income changes until the event actually happens. So, I'm not sure how to switch plans before I actually sell stocks in 2027. I don't want to be on Medicaid starting in January, as having $30-40k in annual income will cause an audit and likely clawback issues.

I live in New York State

I just got Medicaid. Next time I see the dr do I just give them the card or do I need to get a medical insurance company that's part of Medicaid before I see the doctor.
My husband and I are 62,I’m disabled and we have two disabled adult children.

I've seen a couple folks on this subreddit claiming that Medicaid eligibility is determined on per month income (1.38*$15650/12=$1799). Or is it per year ($21597)? I tried Googling a bit and federal documents suggest per year, but maybe it's different state level? Does anyone have links to NY State docs they could cite? I want to have my case clear before I call the city number. Per month income would make me inellegible, but that's only during the school uear when I teach at the college.