Medicaid Spend-Down Rules by State
Medicaid's income limit, asset limit, and spousal protections for nursing home care are set by each state individually, and figures are adjusted periodically — the numbers below reflect 2026 published figures for the states covered so far. We're adding more states over time; if yours isn't listed yet, our spend-down mechanics guides still apply, and a local elder law attorney can confirm your state's exact current numbers.
Choose your state
California
Asset limit: $130,000 (individual, effective 2026)
Share-of-cost stateFlorida
Asset limit: $2,000
Income-cap stateGeorgia
Asset limit: $2,000
Income-cap stateIllinois
Asset limit: $17,500
Income-cap stateMichigan
Asset limit: $9,950
Income-cap stateNew York
Asset limit: $33,038
Medically-needy stateNorth Carolina
Asset limit: $2,000
Medically-needy stateOhio
Asset limit: $2,000
Income-cap statePennsylvania
Asset limit: $8,000 (includes an extra $6,000 exemption above the $2,000 baseline; $2,400 if income exceeds $2,982/month)
Income-cap stateTexas
Asset limit: $2,000
Income-cap stateOnce you know your state's asset limit, our spend-down calculator can give you a rough starting estimate of how much may need to be spent down.