2025 Medicaid Reference Guide

Protections for the Community Spouse

Minimum Community Spouse Protected Asset Amount…   $50,000

Maximum Community Spouse Protected Asset Amount…  $157,920

Allowed Asset Limit for Single Individual…  $1,600

Allowed Asset Limit for Married Couple (each)…  $1,600 (When both husband and wife are in nursing home)

Gift Penalty Divisor…  $14,939

Min. Monthly Income Needs Allowance for Healthy Community Spouse…  $2,555

Max. Monthly Income Needs Allowance for Healthy Community Spouse…  $3,948

Monthly Personal Needs Allowance for Institutionalized Individual…  $75

Home Equity Limit…  $1,097,000.00 Max.

State Funded Home Care Programs

Allowed Assets for Single Individual… $46,242

Allowed Assets for Married Couple… $61,656

Gross Income Limit for Medicaid Homecare Recipient… $2,901

Medicare Savings Programs – Income Limits

Qualified Medicare Beneficiary (QMB)… $2,752 for single and $3,719 for couple

Specified Low Income Medicare Beneficiary (SLMB)… $3,013 for single and $4,072 for couple

Additional Low Income Medicare Beneficiary (ALMB)… $3,209 for single and $4,336 for couple