Adrian McGonigal Reported His Hours
Adrian McGonigal worked full time at a chicken processing plant in Arkansas. When the state launched Medicaid work requirements in June 2018, he reported his hours as required. Three months later, a pharmacist told him the state had cut off his Medicaid.
18,164 people lost coverage in Arkansas in 7 months. Most were still eligible. No evidence the requirement increased employment. Adrian McGonigal died of a heart attack before Thanksgiving 2024.
His COPD medication cost roughly $800 out of pocket. Without his breathing treatments, his health deteriorated. He lost his job at the plant.
His failing health made it impossible to keep part-time work. Arkansas restored his coverage in January 2019, but the damage was done. McGonigal died of a heart attack a few days before Thanksgiving 2024.
Georgia Spent More on the Portal Than on Healthcare
Georgia’s Pathways to Coverage program requires work reporting through an online portal built by Deloitte for $50 million. The portal crashed every time Kelsey Williams, a single mother, tried to apply. She called the customer service hotline and was sent through a phone tree that ended in voicemail.
Luke Seaborn, age 54, appeared in a state-produced testimonial video for Governor Kemp’s program. After two years navigating the system, he gave up. “I used to think of Pathways as a blessing. Now, I’m done with it.”
A working supermarket cashier in Atlanta lost her Medicaid and SNAP after giving birth, despite meeting the work requirements. The state said she “failed to report that I was working.”
The Numbers Behind the Names
In Arkansas, 18,164 people lost coverage in 7 months. Half reported problems paying medical debt. 56% delayed care. 64% delayed medication.
The New England Journal of Medicine found no evidence the requirement increased employment.
The OBBBA extends this to the entire country. CBO estimates 11.8 million will lose Medicaid coverage. More than 9 in 10 Medicaid expansion adults already work, attend school, are caregiving, or have a disability.
The requirement does not create jobs. It creates paperwork that people like Adrian McGonigal cannot survive.
The Unwinding Already Showed What Happens
Work requirements are not the only barrier. During the Medicaid continuous coverage unwinding in 2023-2024, 18.22 million people were disenrolled. 70% lost coverage because of paperwork, not because they were ineligible.
Beverly Likens in Kentucky lost Medicaid days before a needed surgery for chronic uterine bleeding. She required a lawyer to get reinstated. Indira Navas in Florida learned her 6-year-old son was disenrolled while her 12-year-old daughter in the same household kept coverage. Administrative error, not eligibility.
In Wisconsin, Codie Peschl is a home health caregiver earning $17.50 an hour. She lost the Medicaid coverage she relied on for 17 years. Her wage was $433 per month too high for her own coverage but low enough for her three children to stay enrolled.
In Nebraska, where work requirements started May 1, 2026, Schmeeka Simpson has relied on Medicaid since 2014. She previously lost SNAP benefits when a technical error caused her to miss renewal. She fears the same will happen with Medicaid.
Children Lose Coverage When Parents Do
Medicaid covers nearly 40% of all children in the United States. A Manatt analysis estimates 480,000 children will lose Medicaid if work requirements apply to expansion adults. If applied to all nondisabled adults, that number rises to 914,000. For every 100 adults who lose coverage, about 5 children lose it too.
Losing coverage in childhood is linked to worse health in adulthood, lower college enrollment, and lower adult earnings. The damage is not temporary.
What You Can Do
- Stop the $911 billion Medicaid cut →
- Read the Medicaid work requirements analysis and the state trigger laws brief.
- Share these stories. Names make the argument that numbers alone cannot.
Update, June 3, 2026: The Trump administration released final Medicaid work requirement regulations on June 1, giving states less than seven months to overhaul eligibility systems before the federal enforcement deadline. The rules, issued by the Centers for Medicare and Medicaid Services under the One Big Beautiful Bill Act, would require roughly 18.5 million adults across 42 states and the District of Columbia to prove they are working or enrolled in an approved activity to keep their coverage.
The regulations narrowed the medical frailty exemption, requiring states to assess the severity of a person’s condition rather than accept a diagnosis alone, and explicitly excluded homelessness as a qualifying condition. More than two dozen states had planned to allow enrollees to self-attest to qualifying conditions; the new rules will require supporting documentation starting in 2028, a shift that consultants advising states described as a “significant policy pivot,” according to KFF Health News. CMS Administrator Mehmet Oz, on a June 1 press call, described the standard as “forgiving, but not foolish.”
Nebraska, which launched its own work requirement on May 1 using a nearly 300-page list of qualifying conditions, now faces a direct conflict with the federal standards. Sarah Maresh of Nebraska Appleseed called on the state to pause coverage terminations until it can reconcile its program with the new rules. Nebraska’s Department of Health and Human Services said it is reviewing the regulation.
Update, June 5, 2026: The Centers for Medicare and Medicaid Services released an interim final rule on Medicaid work requirements that tightens the standard McGonigal and others like him faced. Under the rule, people already enrolled in Medicaid with diagnoses such as sickle cell disease must now prove they are “greatly impaired” from working, going beyond a formal diagnosis to satisfy the “medically frail” exemption. All states with Medicaid expansion must implement the requirements by January 1, 2027.
Jennifer Wagner, director of Medicaid eligibility and enrollment at the Center on Budget and Policy Priorities, told Mother Jones that state officials were not informed about the new medical frailty definition during prior discussions with federal agencies. The Urban Institute projects that work requirements combined with more frequent eligibility checks could reduce Medicaid enrollment by between 4.9 and 10.1 million people by 2028. Wagner said states “are not going to be able to do this accurately by January 1.”
The rule carries a 60-day public comment period before finalization. Maria Town, president and CEO of the American Association of People with Disabilities, said the rule bars Medicaid-supported employment from counting as qualifying “community engagement” under the new standard. The rule is part of the One Big Beautiful Bill, which cuts nearly $1 trillion from Medicaid over the next decade.
Update, June 12, 2026: The Centers for Medicare and Medicaid Services released final rules on June 1 governing how states must verify that Medicaid enrollees are working or completing qualifying activities. The rules, required by the One Big Beautiful Bill Act, will affect roughly 18.5 million enrollees covered through Medicaid expansion, with most states required to begin enforcement by Jan. 1, 2027.
The rules leave the definition of “medically frail” to each state, meaning a health condition that qualifies someone for an exemption in Nebraska may not qualify them in Delaware. Carolyn Sheridan, associate director of state policy for the National Organization for Rare Disorders, said her group had sought a standardized federal definition. States also face financial penalties for incorrectly granting exemptions, a pressure that Jennifer Tolbert of KFF said will push states toward caution and toward dropping enrollees who remain eligible.
Enrollees may self-attest to their work hours and health status in 2027, but states will begin requiring documentation, including pay stubs and medical records, in 2028. Morgan Henderson of The Hilltop Institute said a high manual reporting burden will produce coverage losses among people who are still technically eligible. Nebraska began enforcing the rules in May; Arkansas and Montana plan to start in July, per KFF Health News reporting by Sam Whitehead.
Update, June 24, 2026: West Virginia’s Department of Human Services launched wvmedicaidhelp.org on June 24 and began asking the state’s 161,184 expanded Medicaid enrollees to update their mailing addresses, email addresses, and phone numbers ahead of new federal work requirements. Under the One Big Beautiful Bill Act, enrollees ages 19 through 64 must document at least 80 hours per month of qualifying work or training to remain eligible, starting Jan. 1, 2027.
Christy Donohue, the DoHS Commissioner of the Bureau for Medical Services, said the state is on track to implement the requirements and is building automated verification systems to pull work-history data from electronic sources when available. The department said the automated approach is intended to reduce the amount of documentation enrollees must submit on their own, according to West Virginia Watch.
Recipients must read all eligibility correspondence the state sends and watch for additional notices before January. The requirement applies to the same expanded Medicaid population — working adults earning up to 138% of the federal poverty line — that McGonigal was enrolled in when the state terminated his coverage.
Update, June 29, 2026: Twenty-five Democratic-led states and the District of Columbia filed suit against the Trump administration over new Medicaid work requirement rules, according to Stateline and Mother Jones. The lawsuit names HHS Secretary Robert F. Kennedy Jr. and CMS Administrator Mehmet Oz as defendants. Massachusetts Attorney General Andrea Joy Campbell helped lead the filing; Rhode Island Attorney General Peter Neronha is among the co-plaintiffs.
The suit targets an interim final rule published this month by HHS and CMS that narrows who qualifies as “medically frail” and therefore exempt from the 80-hours-per-month work requirement under the One Big Beautiful Bill Act. Under the new guidance, a recipient must show both a significant health condition and a significant impairment in their ability to work, a two-part standard that states say Congress never authorized and that federal officials never raised during months of implementation talks.
States face an August 31, 2026, deadline to notify Medicaid recipients of changes to the medically frail designation, with financial penalties for missing it. Full implementation of work requirements is set for January 1, 2027, though CMS could grant extensions through 2028. The lawsuit asks a federal court to stay the interim final rule and vacate portions of it.
Update, July 7, 2026: Indiana’s Family and Social Services Administration released implementation details this week for Medicaid work requirements affecting able-bodied adults enrolled in the Healthy Indiana Plan. Starting Jan. 1, 2027, participants ages 19 to 64 must log 80 hours of qualifying activity per month or earn at least $580 to keep coverage, according to the Indiana Capital Chronicle. Qualifying activities include paid employment, school enrollment at half-time or more, apprenticeships, and volunteer work.
New applicants must prove three consecutive months of compliance before their application date, with that window opening Oct. 1, 2026. FSSA Secretary Mitch Roob said the agency will run quarterly compliance checks using a three-month lookback period and will host town halls and webinars this summer to explain the rules.
HIP enrollment has already fallen from roughly 671,000 when Gov. Mike Braun signed the work requirement law in April 2025 to about 487,000 in June 2026, six months before requirements take effect. Roob said he could not project how many current enrollees will fail to qualify for an exemption or meet the 80-hour threshold.
Update, July 10, 2026: President Trump signed the One Big Beautiful Bill Act, which requires most Medicaid recipients in 43 states and the District of Columbia to document at least 80 hours per month of work or qualifying activities to maintain coverage, with a compliance deadline of Jan. 1 for most states. KFF Health News reported that the rule will affect more than one million farmworkers who hold U.S. citizenship or legal permanent resident status and who participate in Medicaid at rates between 71% and 79% of eligible households.
For farmworkers, the documentation burden compounds existing coverage gaps. Alexis Guild, vice president of strategy and programs at Farmworker Justice, told KFF Health News that seasonal schedules and informal off-season work in construction or landscaping make it difficult to produce pay stubs or records that satisfy the new standard. Workers who log well above 80 hours during harvest may fall below the threshold during slower months.
The law also doubles the frequency of eligibility verification, requiring proof twice a year rather than once. Akeiisa Coleman, an assistant vice president at the Commonwealth Fund, said missed notices and unfiled forms could strip coverage from workers who are otherwise eligible. Adriana Cadena, executive director of Protecting Immigrant Families, said the combined effect could end coverage for workers’ children as well.
Update, July 12, 2026: Arkansas has begun a “soft launch” of Medicaid work requirements established by the federal One Big Beautiful Bill Act, signed by President Trump. The state is verifying whether Medicaid expansion enrollees meet the requirements before enforcement begins in January 2027.
State officials estimate as many as 42,000 Medicaid expansion enrollees could lose coverage once the requirements take effect. A 2019 New England Journal of Medicine analysis of Arkansas’ first work requirement found no significant employment gains and determined that more than 95% of targeted enrollees already met the requirement or qualified for an exemption.
Centene, one of two insurers administering Arkansas’ Medicaid expansion, announced it will leave the program in January, according to the Arkansas Advocate. Arkansas leads the nation in the share of rural hospitals at risk of closure, and labor and delivery services have shut down in multiple communities across the state.
Update, July 17, 2026: Federal officials have approved a temporary hardship exemption from Medicaid work requirements for Dawson County, Nebraska, home to the Lexington Tyson Foods plant that closed in January and eliminated roughly 3,000 jobs. Gov. Jim Pillen directed the Nebraska Department of Health and Human Services to seek the exemption after Dawson County recorded the highest monthly unemployment rate in the state. The Centers for Medicare and Medicaid Services approved the waiver, which covers anyone who has lived in Dawson County at any point since Feb. 1, according to the Nebraska Examiner.
The hardship provision, authorized under the 2025 federal law that established the work requirements, allows states to seek county-level exemptions where unemployment exceeds 8% or reaches at least 1.5 times the national average. Nebraska became the first state in the country to enforce the new requirements on May 1. All states must comply by Jan. 1, 2027.
Nebraska DHHS estimates up to 29,000 of the 72,000 Nebraskans enrolled in Medicaid expansion could be subject to the 80-hours-per-month threshold. The Dawson County exemption stays in place until the county’s unemployment rate falls below the federal thresholds. Pillen has directed state agencies to continue coordinating workforce and community assistance for families affected by the Tyson closure.
Update, July 20, 2026: The One Big Beautiful Bill Act established Medicaid work requirements that take effect Jan. 1 in most states, requiring adults without dependents to document 80 hours of qualifying activity per month. Enrollees who cannot work may claim a “medically frail” exemption, but final regulations issued in June indicate that exemption will in many cases require written documentation from a clinician.
Physicians say they are not trained to evaluate work capacity, and the American Medical Association president, Willie Underwood III, wrote to CMS administrator Mehmet Oz in May arguing the rule “transforms the clinical encounter into an eligibility gatekeeping process.” Alice Thornton, who has treated HIV patients in Lexington, Kentucky for more than 25 years, said her team already struggles with complex disability paperwork. CMS declined to respond on the record to physicians’ concerns.
Twenty-five mostly Democratic-led states sued the Trump administration at the end of June over the medical frailty standard. Beginning in 2027, states may accept a patient’s self-attestation of medical frailty twice per year; that drops to once per year in 2028.
Update, July 22, 2026: Under the tax and spending law President Trump signed last year, Nevada must implement Medicaid work requirements by January 1, 2027, affecting an estimated 280,000 Nevadans enrolled through the ACA expansion, according to the Nevada Health Authority. Adults aged 19 to 64 will have to document at least 80 hours per month of work, school, or volunteer activity to retain coverage, and will have to reapply every six months instead of annually. Separately, approximately 5,000 legally present immigrants in Nevada will lose Medicaid on October 1, 2026, regardless of whether they meet the work requirements.
Nevada joined 24 other states with Democratic attorneys general and the District of Columbia in suing the Trump administration in July, focusing on the administration’s narrowed definition of “medically frail.” The Trump administration published interim guidelines on June 1 that restricted the exemption to people with significant health conditions who are also impaired in their ability to work. Nevada health officials have since finalized their own definition, requiring both a qualifying medical condition and documented impairment in the person’s capacity to work.
The Nevada Health Authority plans to notify all affected expansion enrollees by mail and digital outreach starting September 1. Ann Jensen, the administrator for Nevada Medicaid, said the agency is working to use existing data sources to reduce the documentation burden on enrollees. Medicaid recipients may self-attest compliance in 2027 but will be required to provide supporting documentation starting in 2028.
Update, July 24, 2026: The Idaho Department of Health and Welfare announced it will begin enforcing Medicaid work requirements on Jan. 1, 2027, under authority granted by the federal One Big Beautiful Bill Act. Enrollees in Medicaid expansion must document at least 80 hours per month of work, community service, or qualifying education and training. About 85,000 Idahoans are currently enrolled in the program.
Idaho’s plan includes a three-month lookback period, requiring applicants to prove work history for the three months before they apply — one of only three states, along with Indiana and North Carolina, to use the maximum lookback window allowed under federal law, according to KFF. The state will also require enrollees to re-verify eligibility every six months, reduced from once per year. Idaho Medicaid Administrator Sasha O’Connell said an initial agency review found 68,400 of roughly 83,000 enrollees already met the new requirements.
An analysis by the Urban Institute and the Robert Wood Johnson Foundation projects the law’s provisions could remove between 20,000 and 34,000 Idahoans from Medicaid expansion by 2028, per Idaho Capital Sun reporting. The Department of Health and Welfare is sending outreach letters to affected households this month and plans to host virtual town halls before the January deadline.
Update, July 28, 2026: In June, the Centers for Medicare and Medicaid Services published guidance narrowing the “medically frail” exemption under new Medicaid work requirements, specifying that a person must have both a significant health condition and significant impairment in the ability to work. Twenty-five states, all led by Democrats, have since sued the Trump administration, arguing the narrowed definition will strip coverage from sick and disabled people, Stateline reported.
Idaho will not offer patients the one-year federal grace period that permitted self-attestation of the “medically frail” exemption without documentation, Idaho Medicaid Administrator Sasha O’Connell told the Idaho Capital Sun. After an initial attestation, the Idaho Department of Health and Welfare will require a doctor’s note from patients whose qualifying conditions do not appear in existing claims data. The Urban Institute and Robert Wood Johnson Foundation estimated the One Big Beautiful Bill Act’s Medicaid changes could remove between 20,000 and 34,000 Idahoans from Medicaid expansion by 2028.
Georgia’s proposed implementation rule omits HIV from the list of conditions that automatically qualify a person as “medically frail,” despite CMS guidance that specifically named HIV/AIDS as an example states could include, the Georgia Recorder reported. The Georgia Department of Community Health board is scheduled to vote on the rule at an Aug. 13 meeting. Jeff Graham, executive director of Georgia Equality, and the Metropolitan Atlanta HIV Health Services Planning Council submitted comments before a July 21 deadline arguing the exclusion misapplies the federal standard.
Update, July 31, 2026: U.S. District Judge Richard Stearns of Massachusetts denied a request from 25 Democratic-led states to pause implementation of federal Medicaid work requirements, leaving the Jan. 1, 2027 deadline intact, Stateline reported. The states had challenged federal guidance narrowing the definition of “medically frail,” a designation that exempts recipients with serious disabilities or illnesses from the 80-hour monthly work mandate. Stearns ruled the states had not shown damages sufficient to justify injunctive relief, noting that CMS has committed to covering 90% of implementation costs.
Nebraska became the first state to implement the requirements, applying them to new enrollees on May 1 and to existing enrollees on Aug. 1. As of July 19, Nebraska’s Department of Health and Human Services had denied 317 initial applications and 65 renewal applications for failure to meet the work requirements, according to the Nebraska Examiner. Health advocates at a forum hosted by Nebraska Appleseed reported wait times of up to 90 minutes on the state’s Medicaid phone line, and one pregnant applicant was denied coverage because a state worker missed her pregnancy status on the application.
The court acknowledged “difficult issues” about congressional authority and flagged CMS Administrator Dr. Mehmet Oz’s “faithfulness to Congressional intent” as a question still before the court, meaning the underlying legal challenge continues. Dawson County, Nebraska, received a temporary exemption after the closure of a Tyson Foods plant drove unemployment above state thresholds. The lawsuit was brought by the governors of Kentucky and Pennsylvania alongside the Democratic attorneys general of 23 states and the District of Columbia.
Update, August 3, 2026: U.S. District Judge Richard Stearns of Massachusetts rejected a request from 25 Democratic-led states to pause Medicaid work requirements, leaving in place a January 1 deadline set by Congress. The requirements, enacted through the One Big Beautiful Bill Act, mandate that adults in Medicaid expansion states work, attend school, or volunteer at least 80 hours per month to retain coverage.
The coalition sued the Centers for Medicare and Medicaid Services and the Department of Health and Human Services in June, targeting federal guidance that narrows the definition of who qualifies as “medically frail” — the designation that would have exempted McGonigal from the requirements had it covered his condition. Stearns ruled that states had not shown sufficient harm to justify a preliminary injunction, citing a CMS commitment to reimburse states for 90% of implementation costs.
The ruling covers 42 states and the District of Columbia that expanded Medicaid under the Affordable Care Act. The court noted that CMS Administrator Dr. Mehmet Oz’s “faithfulness to Congressional intent” remained a live question in the case, which will proceed toward a full hearing.
Update, August 5, 2026: Indiana will begin enforcing federal Medicaid work requirements on Jan. 1, 2027, requiring adults enrolled in the Healthy Indiana Plan to report at least 80 hours per month of qualifying work or community engagement to keep their coverage. Because the state will audit the prior three months of activity, beneficiaries must begin logging those hours in October 2026 to avoid losing coverage when enforcement starts.
FSSA Secretary Mitch Roob told the Indiana Capital Chronicle that while the agency would assist members, individuals are “ultimately responsible for documenting that they are in fact eligible.” Starting Jan. 1, 2027, Senate Enrolled Act 1 also requires HIP enrollees to undergo formal eligibility redeterminations every six months instead of annually, a change that mirrors a new federal rule covering the Medicaid expansion population.
Enrollment advocates warn the increased reporting burden will push out workers who qualify but cannot navigate state documentation systems — the same administrative failure documented in McGonigal’s case. Rep. Wendy Dant Chesser, D-Jeffersonville, has called on lawmakers to monitor the impact of the changes as they take effect.
Update, August 9, 2026: Indiana’s Family and Social Services Administration has begun preparing Healthy Indiana Plan members for work requirements that take effect January 1, 2027, according to the Indiana Capital Chronicle. Adults on HIP will have to report at least 80 hours per month of qualifying activity, including work and job training, to maintain coverage. The state will review compliance at least every six months using a three-month lookback period.
New applicants who enroll starting January 1 must show qualifying activity going back to October 2026. Current members will face a compliance review when their individual renewal dates arrive. Exemptions apply to children, pregnant women, older adults, people enrolled in Medicare, and caregivers of children age 13 or younger.
FSSA, in partnership with Covering Kids & Families, will hold a series of public town halls for HIP members and providers. The first is scheduled for August 17 at Ivy Tech Elkhart Community Center in Goshen, and the second for September 1 at Ivy Tech Fort Wayne. The agency has also launched an anonymous online screening tool that members can use to determine whether they fall under the exemptions.