Tool · From Official Sources, Checked October 2026
Medicaid Long-Term Care Checker
Will Medicaid Pay for Long-Term Care?
Pick your state, marital status and where care would happen to see the income and asset limits your state publishes for nursing home Medicaid, the 2026 federal protections for a spouse at home (up to $162,660 in resources and $4,066.50 a month in income), and the waivers that pay for care at home or in assisted living. It restates official numbers and doesn't decide eligibility.
How the Checker Works
State limits are copied from each state Medicaid agency's own pages, with the year they apply to. The spousal protections come from CMS's April 27, 2026 bulletin on SSI and spousal impoverishment standards. Some states set their own amount between the federal minimum and maximum. Medicaid also counts income and assets in detail, so the state agency makes the final decision. Read how Medicaid nursing home eligibility works, Medicaid waivers for home care and how to pay for a nursing home.
This tool restates official rules and published figures, checked October 2026. It isn't medical, legal or financial advice and doesn't decide eligibility; your state Medicaid agency, Medicare and your doctor do.
Frequently Asked Questions
What Is the Medicaid Asset Limit for Nursing Home Care?
It's set by each state. Many states use the SSI resource standard of $2,000 for one person, but some allow more. The checker shows what your state publishes.
Can the Spouse at Home Keep the House and Some Savings?
Yes. Federal spousal impoverishment rules protect income and assets for the spouse who stays at home. For 2026 the protected resources range from $32,532 to $162,660, depending on the state, and the spouse's monthly income allowance can reach $4,066.50.
What Is the Look-Back Period?
Medicaid reviews asset transfers made in the 5 years before you apply for long-term care. Gifts or sales below value in that window can delay coverage. Talk with your state Medicaid agency or an elder law attorney before moving assets.
Does Medicaid Pay for Assisted Living?
Medicaid doesn't pay for room and board in assisted living, but many states pay for care services there through home and community-based waivers. The checker lists the waivers your state names.