Medicaid Asset Allowances

Year 2026

Medicare Key Metrics

Medicare Standard Part B Premium:
$202.90/Month
Medicare Co-Payment – Skilled Nursing Facility (SNF):
$217.00/Day
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$1,600.00
Couple
$3,200.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$75.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,643.75
$4,066.50
Community Spouse Resource Allowance
$50,000.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$1,130,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$15,526.00
IRREVOCABLE BURIAL
$10,000.00
Income Limit
$2,485.00
RESOURCE ALLOWANCE
Individual
$2,000.00
Couple
$3,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$75.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,643.75
$4,066.50
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$13,378.33
Per day
439.84
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$2,000.00
Couple
$3,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$160.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,644.00
$4,067.00
Community Spouse Resource Allowance
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$10,645.00
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$2,000.00
Couple
$3,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$70.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,643.75
$4,066.50
Community Spouse Resource Allowance
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$10,965.00
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$2,000.00
Couple
$3,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$52.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,644.00
$4,067.00
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$7,651.00
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$2,000.00
Couple
$3,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$55.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,643.75
$4,066.50
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$9,702.77
Per day
319.17
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$2,000.00
Couple
$4,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$60.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,644.00
$4,066.50
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per day
$325.41
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$10,000.00
Couple
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$40.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,643.75
$4,066.50
Community Spouse Resource Allowance
$162,660.00
HOME EQUITY LIMITS
Maximum
$1,130,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$12,294.00
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$2,500.00
Couple
$3,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$106.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,643.00
$4,066.50
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$12,501.00
Per day
411.00
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$2,000.00
Couple
$4,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$72.80
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,643.75
$4,066.50
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per day
$450.00
IRREVOCABLE BURIAL
$10,000.00
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$6,068.80
Couple
$11,452.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$50.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,644.00
$4,066.50
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$7,909.00
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$2,500.00
Couple
$5,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$93.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,644.00
$4,066.50
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$12,892.60
Per day
423.82
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$2,000.00
Couple
$3,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$50.00
MINIMUM ROOM AND BOARD FOR ASSISTED LIVING FACILITIES
$952.90
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,643.75
$4,067.00
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$1,130,000.00
DIVESTMENT PENALTY DIVISOR
Per day
$402.74
Income Limit
$1,836.00
RESOURCE ALLOWANCE
Individual
$33,038.00
Couple
$44,796.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$50.00
MINIMUM ROOM AND BOARD FOR ASSISTED LIVING FACILITIES
$1,732.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,643.75
$4,066.50
Community Spouse Resource Allowance
$74,820.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$1,130,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$7,324.00 - $9,703.00
(Ranges vary by location)
RESOURCE ALLOWANCE
Individual
$2,000.00
Couple
$3,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$70.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,643.75
$2,644.00
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$10,904.00
Per day
384.00
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$2,000.00
Couple
$3,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$75.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,643.75
$4,066.50
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$7,787.00
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$2,000.00
Couple
$4,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Skilled Nursing Facility
$60.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,643.75
$2,644.00
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$12,811.50
Per day
421.20
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$4,000.00
Couple
$8,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$75.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,643.75
$4,066.50
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$10,190.00
Per day
335.00
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$2,000.00
Couple
$3,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$75.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,643.75
$4,066.50
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$7,339.00
Per day
242.13
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$2,000.00
Couple
$4,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$40.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,643.75
$4,066.50
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$13,765.00 - $15,675.00
(Ranges vary by location)
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$2,000.00
Couple
$3,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$108.74
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$3,644.00
$4,066.50
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$1,130,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$14,059.00
Per day
462.00
Income Limit
$2,982.00
RESOURCE ALLOWANCE
Individual
$2,000.00
Couple
$3,000.00*
(*When both spouses apply for Medicaid)
MONTHLY PERSONAL NEEDS ALLOWANCE (PNA)
Nursing Home Resident
$50.00
SPOUSAL IMPOVERISHMENT
min
max
Monthly Maintenance Needs Allowance
$2,643.75
$4,066.50
Community Spouse Resource Allowance
$32,532.00
$162,660.00
HOME EQUITY LIMITS
Maximum
$752,000.00
DIVESTMENT PENALTY DIVISOR
Per month
$11,903.00
Per day
396.76