Medicaid Eligibility Calculators
Most people aged 19–64, children and pregnant people have no Medicaid asset test. Asset limits usually apply to people qualifying through age or disability, and to long-term care. A common limit is $2,000 for one person and $3,000 for a couple, though states differ.
Who faces an asset test
| Group | Asset test? |
|---|---|
| Expansion enrollees | No |
| Parents and caretakers | No |
| Pregnant people | No |
| Children | No |
| Age 65 and older | Usually |
| People with disabilities | Usually |
| Long-term care | Usually |
Assets that usually count
- Cash and bank accounts
- Stocks, bonds and mutual funds
- Second homes and other property
- Extra vehicles
- Some retirement accounts and life insurance cash value
Assets that are usually exempt
- Your primary home, subject to equity limits for long-term care
- One vehicle
- Household goods and personal items
- Certain burial funds and plots
The 60-month look-back
For long-term care, states review asset transfers made in the previous 60 months. Giving away assets or selling them for less than they're worth can cause a period when Medicaid won't pay for your care. Some transfers, such as those to a spouse, can be allowed.
Spouses and spend-down
Spousal rules let a husband or wife at home keep part of the couple's assets when the other needs nursing home care. Spending excess assets on legitimate needs, such as home repairs or medical bills, may also help. Talk with an elder law attorney before acting.
Try the free Medicaid eligibility calculator.
