When Will the New SNAP and Medicaid Changes Take Effect?

Essential updates for seniors on Social Security and food stamp benefits—know what's coming and when so you can plan ahead.

Key Dates for SNAP and Medicaid Changes

Federal legislation passed in July 2025 brings significant updates to both the Supplemental Nutrition Assistance Program (SNAP, formerly food stamps) and Medicaid. These changes affect eligibility, work requirements, and state responsibilities.

Here's what you need to know about when these changes will impact you:

SNAP (Food Stamps) Changes

Work Requirements Expanded:

Starting no later than December 31, 2026, able-bodied adults ages 55 to 64 without dependents must meet new work requirements (at least 20 hours per week or participation in training programs). Previously, these rules applied only up to age 54.
Parents whose youngest child is 14 or older must also meet work requirements to continue receiving benefits.

State Cost-Sharing:

Beginning in 2028, states will be required to cover 5–15% of SNAP benefit costs if their payment error rates are high (6% or above). This could lead to stricter eligibility or reduced benefits in some states.

Waivers Limited:

States can only waive work requirements in areas with unemployment rates above 10%, making it harder for many to qualify for exemptions.

Medicaid Changes

Work Requirements:

By December 31, 2026, able-bodied adults ages 19 to 64 without dependents must complete at least 80 hours per month of work or approved activities to maintain Medicaid coverage.

Eligibility Checks:

Also by December 2026, states must conduct Medicaid eligibility redeterminations every six months (instead of annually), which may increase paperwork and the risk of losing coverage if forms are missed or incomplete.

Other Medicaid Updates:

October 1, 2027: New restrictions take effect, including bans on coverage for undocumented immigrants and reduced retroactive coverage (from three months to one month).
October 1, 2028: Increased co-pays (up to $35) for those with income above the federal poverty level

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What Do These Changes Mean for You?

More Reporting: Expect extra paperwork and stricter reporting for both SNAP and Medicaid.
Work Requirements: If you're between 55 and 64 (SNAP) or 19 and 64 (Medicaid), check if you'll need to meet new work or training requirements.
State Differences: States may respond differently—some could tighten eligibility or reduce benefits, especially if faced with new costs.
Plan Ahead: Missing paperwork or not meeting requirements could put your benefits at risk. Stay in touch with your local benefits office and respond promptly to any notices.

Real Life Example

Linda, 60, relies on SNAP and Medicaid. She'll need to meet new work requirements for both programs by the end of 2026. Her state may also change eligibility rules in 2028 if their SNAP error rate is high.

Steps You Can Take

Stay Informed: Watch for letters or notices from SNAP or Medicaid about new requirements.
Gather Documentation: Keep records of your work or training hours and any communications with benefits offices.
Ask for Help: Reach out to local agencies, AARP, or benefits counselors if you're unsure about your eligibility or need help with paperwork.
Advocate: If you're concerned about these changes, contact your state lawmakers or advocacy groups.

You've earned these benefits—make sure you get the help you need. Stay tuned for more updates and practical tips in the next issue of The Insider from Benefits Insider.

_{This newsletter is for information only. Always double-check your options with a professional before making big decisions.}

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