Medicaid asset and income limits by state (2026)
The eligibility numbers that decide whether Medicaid will pay for nursing-home or in-home long-term care for a parent or spouse. Pick a state to see the 2026 numbers, what they mean in plain English, and how that state’s program differs from its neighbors.
| State | Single asset limit | Income cap (mo.) | Community spouse max | QIT framework? |
|---|---|---|---|---|
| California | No asset limit | No hard cap | — | No |
| Florida | $2,000 | $2,982 | $162,660 | Yes |
| Georgia | $2,000 | $2,982 | $162,660 | Yes |
| Michigan | $2,000 | No hard cap | $162,660 | No |
| North Carolina | $2,000 | No hard cap | $162,660 | No |
| Ohio | $2,000 | $2,982 | $162,660 | Yes |
| Pennsylvania | $2,400 | No hard cap | $162,660 | No |
| Texas | $2,000 | $2,982 | $162,660 | Yes |
California – 2026
Medi-Cal Long-Term Care
- Single asset: no limit
- Income cap: none (share-of-cost)
- Community spouse max: —
See California details →
Florida – 2026
Florida Medicaid Long-Term Care
- Single asset: $2,000
- Income cap: $2,982/mo
- Community spouse max: $162,660
See Florida details →
Georgia – 2026
Georgia Medicaid for the Aged, Blind, and Disabled
- Single asset: $2,000
- Income cap: $2,982/mo
- Community spouse max: $162,660
See Georgia details →
Michigan – 2026
Michigan Medicaid Long-Term Care
- Single asset: $2,000
- Income cap: none (share-of-cost)
- Community spouse max: $162,660
See Michigan details →
North Carolina – 2026
North Carolina Medicaid Long-Term Services and Supports
- Single asset: $2,000
- Income cap: none (share-of-cost)
- Community spouse max: $162,660
See North Carolina details →
Ohio – 2026
Ohio Medicaid Long-Term Services and Supports
- Single asset: $2,000
- Income cap: $2,982/mo
- Community spouse max: $162,660
See Ohio details →
Pennsylvania – 2026
Pennsylvania Medical Assistance Long-Term Care
- Single asset: $2,400
- Income cap: none (share-of-cost)
- Community spouse max: $162,660
See Pennsylvania details →
Texas – 2026
Texas Medicaid for the Elderly and People with Disabilities
- Single asset: $2,000
- Income cap: $2,982/mo
- Community spouse max: $162,660
See Texas details →
Why these numbers vary so much by state
Federal Medicaid sets the floor (the $2,000 asset limit, the 60-month look-back, the federal home-equity cap), and each state designs its long-term-care program on top of that. Some states use a hard income cap (Florida, Georgia, Ohio, Texas) and require a Qualified Income Trust when income exceeds the cap. Others (California, Michigan, North Carolina, Pennsylvania) operate as medically-needy / share-of-cost states – there is no hard income ceiling, and income above an allowance is owed toward care.
Estate recovery, deed strategies (such as enhanced life estate deeds), HCBS waiver options, and filial-responsibility rules also vary noticeably state to state. The per-state pages explain how each state’s program differs from the others.
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