Understanding Medicaid Asset Requirements
Medicaid Asset Limits
Medicaid is a means-based program, meaning eligibility is determined based on strict financial limits. In most states, the maximum countable assets an applicant can retain while qualifying for Medicaid in 2025 are:
✔ $2,000 for an individual residing in a nursing home
✔ $157,920 for a spouse living at home (also known as the Community Spouse Resource Allowance)
These limits are in place to ensure Medicaid benefits are available to those who truly need assistance—but with the right planning, families can preserve assets while still qualifying for benefits.
What Assets Count Toward Medicaid Eligibility?
Asset Type | Exempt (Protected) Assets | Countable (Non-Exempt) Assets |
Primary Residence | If the applicant or spouse lives there | Additional homes, land, or properties |
Vehicles | One vehicle (for personal/medical use) | Extra vehicles beyond the exempt limit |
Cash & Bank Accounts | N/A | Checking, savings, CDs, and cash |
Personal Property | Household items (furniture, appliances, jewelry, clothing) | N/A |
Funeral & Burial Trusts | Up to $15,000 (varies by state) | N/A |
Life Insurance | Policies under $1,500 (varies by state) | Policies exceeding $1,500 in value |
Stocks, Bonds, & Investments | N/A | Stocks, bonds, mutual funds, retirement accounts |
Annuities | Only if Medicaid-compliant | Most annuities that do not meet Medicaid requirements |
How to Protect Assets While Qualifying for Medicaid
Many families worry that Medicaid will take everything, but with the right strategy, you can protect assets while securing long-term care coverage.
A Certified Medicaid Planner™ (CMP™) at One to One Care Planning can help:
✔ Convert countable assets into exempt assets (e.g., home modifications, vehicle upgrades)
✔ Structure annuities and trusts properly to protect savings
✔ Ensure the spouse at home retains their rightful assets
✔ Navigate Medicaid’s complex rules without costly mistakes
Start Planning Now to Secure Your Financial Future
Medicaid’s strict asset limits don’t mean you have to lose everything before qualifying. The key is early planning and working with an expert who understands how to maximize asset protection while ensuring eligibility.
Let’s Plan Your Future Today
Don’t wait until a crisis strikes—start planning now to protect your loved ones, your savings, and your peace of mind.
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