Medicaid Eligibility Estimator
Estimate whether you may qualify for long-term-care Medicaid based on your state’s income and asset limits.
Last updated January 2026. Income and asset limits change every January — verify the current figures with your state Medicaid office.
Medicaid eligibility for long-term care depends on your state, your monthly income, and your countable assets. Enter your figures in the estimator above (it runs entirely in your browser — your financial figures are never sent to our servers) to see whether you may or may not qualify, or use the reference table below. Medicare (Parts A and B) is separate and is not income- or asset-tested — most people qualify at age 65.
| State | Monthly income limit | Asset limit | Income rule |
|---|---|---|---|
| Alabama | $2,982/mo | $2,000 | Income cap (QIT/Miller Trust) |
| Arizona | $2,982/mo | $2,000 | Income cap (QIT/Miller Trust) |
| California | $2,982/mo | No asset test | Medically needy (spend-down) |
| Florida | $2,982/mo | $2,000 | Income cap (QIT/Miller Trust) |
| Georgia | $2,982/mo | $2,000 | Income cap (QIT/Miller Trust) |
| Illinois | $2,982/mo | $2,000 | Medically needy (spend-down) |
| Massachusetts | $2,982/mo | $2,000 | Medically needy (spend-down) |
| Mississippi | $2,982/mo | $2,000 | Income cap (QIT/Miller Trust) |
| Nevada | $2,982/mo | $2,000 | Income cap (QIT/Miller Trust) |
| New Jersey | $2,982/mo | $2,000 | Income cap (QIT/Miller Trust) |
| New York | $2,982/mo | $2,000 | Medically needy (spend-down) |
| North Carolina | $2,982/mo | $2,000 | Medically needy (spend-down) |
| Pennsylvania | $2,982/mo | $2,000 | Medically needy (spend-down) |
| South Carolina | $2,982/mo | $2,000 | Income cap (QIT/Miller Trust) |
| Texas | $2,982/mo | $2,000 | Income cap (QIT/Miller Trust) |
| Washington | $2,982/mo | $2,000 | Medically needy (spend-down) |
Last updated January 2026. Income and asset limits change every January — verify the current figures with your state Medicaid office.
Frequently Asked Questions
Is this an official Medicaid eligibility determination?
No. This tool provides a non-binding estimate based on the figures you enter. It is not legal or financial advice and not an official determination. Only your state Medicaid office can decide eligibility — always verify with them.
What is the difference between Medicare and Medicaid?
Medicare eligibility (Parts A and B) is based on age 65+ or disability and is NOT income- or asset-tested. Long-term-care Medicaid — which helps pay for nursing-home and in-home care — IS income- and asset-tested. This estimator focuses on long-term-care Medicaid.
What if my income is over the limit?
Being over the income limit rarely disqualifies you outright. In income-cap states a Qualified Income Trust (also called a Miller Trust) can route excess income into eligibility. In medically-needy states you may "spend down" excess income on care each month. An elder-law attorney can explain the option for your state.
What counts as an asset?
Countable assets include cash, bank accounts, and most investments. Your primary home (up to your state’s equity limit), one vehicle, personal belongings, and a prepaid burial plan are generally exempt and NOT counted. A few states, such as California, have eliminated the asset test entirely.
Does this estimate my spouse’s situation too?
Not yet. This first version estimates a single (unmarried) applicant on the nursing-home pathway. Married-couple rules (spousal impoverishment protections) and in-home / assisted-living waivers are more complex and are being added. For a married applicant, consult your state Medicaid office or an elder-law attorney.
How we research and verify this information
Our team compiles this listing from public records and provider data, and reviews it against authoritative sources. Read our editorial standards and research methodology.
- Cost of Care Survey (2025)Publisher: CareScout. Supports: General senior-care planning information.. Last checked: 2026-08-15.
- Skilled nursing facility coveragePublisher: Medicare.gov. Supports: General senior-care planning information.. Last checked: 2026-08-15.
- Medicaid coverage and eligibilityPublisher: Medicaid.gov. Supports: General senior-care planning information.. Last checked: 2026-07-10.
- Long-term-care guidance for familiesPublisher: National Institute on Aging. Supports: General senior-care planning information.. Last checked: 2026-07-10.
- VA pension rates (Aid & Attendance)Publisher: U.S. Department of Veterans Affairs. Supports: General senior-care planning information.. Last checked: 2026-08-15.