Ensuring Access to Medicaid Buy-in Programs Act of 2026

This bill removes age restrictions preventing working adults with disabilities from accessing Medicaid buy-in programs. It modifies the Social Security Act to eliminate the "less than 65" requirement, allowing individuals aged 16 and older who earn above Supplemental Security Income (SSI) limits but would otherwise qualify for SSI to enroll in Medicaid buy-in programs. The key change ensures states can provide Medicaid coverage to this group without age barriers, directly affecting working adults with disabilities who previously faced eligibility cutoffs at age 65. The bill also provides a transition period for states already offering similar programs, requiring no changes before January 1, 2028.