Massachusetts Medicaid long-term care: who qualifies
Medicaid is the biggest payer of long-term care in the country — nursing homes, and increasingly care at home — and Medicare is not. Qualifying turns on two tests: a financial one, which is the tables below, and a functional one, which asks how much help you need with daily life. You have to pass both.
Read this before you read the numbers.
These figures are a starting point for a conversation, not a decision. Medicaid eligibility is decided by MassHealth on the whole picture — income, assets, the look-back, your medical need, and rules that differ for a married couple in ways no table holds. Nothing here is legal advice.
The 2026 limits in Massachusetts
Income limits are monthly. Asset limits count only what Massachusetts treats as countable — a home you live in and one car usually sit outside that, within limits.
Nursing facility (institutional) MassHealth
Level of care needed: A doctor and the state must both agree you need the level of care a nursing home provides — help with daily activities such as bathing, dressing, eating or moving about, or skilled nursing care.
One person applying
- Monthly income limit:
- $2,982 a month
- Countable asset limit:
- $2,000
Married, both applying
- Monthly income limit:
- $2,982 a month
- Countable asset limit:
- $3,000
Married, one applying — the other stays at home
- Monthly income limit:
- Not published
- Countable asset limit:
- Not published
Home and community based services waiver
Level of care needed: You must need the same nursing-home level of care, but you get the care at home or in the community instead of moving into a facility.
One person applying
- Monthly income limit:
- $2,982 a month
- Countable asset limit:
- $2,000
Married, both applying
- Monthly income limit:
- $2,982 a month
- Countable asset limit:
- $3,000
Married, one applying — the other stays at home
- Monthly income limit:
- Not published
- Countable asset limit:
- Not published
MassHealth for community residents aged 65 or older
Level of care needed: No nursing-home level of care is required. You qualify on age (65+), blindness or disability alone.
One person applying
- Monthly income limit:
- $2,982 a month
- Countable asset limit:
- $2,000
Married, both applying
- Monthly income limit:
- $2,982 a month
- Countable asset limit:
- $3,000
Married, one applying — the other stays at home
- Monthly income limit:
- Not published
- Countable asset limit:
- Not published
"Not published" means Massachusetts does not publish a separate figure for that combination — not that there is no limit. Ask MassHealth rather than assuming another row applies.
The look-back period
60 months
That is 5 years. When you apply, Massachusetts looks back over that window at money and property given away or sold for less than it was worth. Transfers found there can trigger a penalty period — a stretch of time during which Medicaid will not pay, calculated from the amount transferred. It is the single most common way a family gets a nasty surprise.
If one spouse stays at home
When one spouse needs care and the other remains at home, the law does not expect the spouse at home to be left with nothing. They may keep a share of the couple's countable assets — the community spouse resource allowance — between $32,532 and $162,660, depending on the couple's circumstances.
There is a matching protection for income. This is the area where good advice pays for itself several times over, and where a form filled in wrongly is expensive to undo.
Particular to Massachusetts
- MassHealth publishes one figure — three times the federal benefit rate, $2,982 a month in 2026 — and applies it both to people entering a long-term-care facility and to community residents aged 65 or older. That is why the same number appears in all three rows rather than three different ones.
- The asset limit is $2,000 for an individual and $3,000 for a member of a married couple.
- The at-home spouse may keep between $32,532 and $162,660 in assets in 2026, and up to $4,066.50 a month in income.
- The maximum home equity limit is $1,130,000.
- The look-back period is 60 months, stated in the MassHealth financial eligibility regulation at 130 CMR 520.000.
- The personal needs allowance for someone in long-term care is $72.80 a month.
Verified 2026-08-02 against MassHealth, Program financial guidelines for certain MassHealth applicants and members — 2026 MassHealth Income Standards and Federal Poverty Guidelines (updated January 6, 2026) (effective 2026-01-01)
Who to ask, and in what order
This page is not legal advice. It is a transcription of published limits, and limits are the easy part. Whether a particular house, annuity, trust or transfer counts — and what to do about it — depends on facts we cannot see.
MassHealth decides
Only the state agency can determine eligibility, and only their published materials are authoritative. If what you read here ever disagrees with what they say, they are right and we are wrong — please tell us.
An elder-law attorney is the right professional
For anything involving a house, a transfer already made, a trust, a second marriage, or a spouse staying at home, this is a job for a lawyer who does Medicaid planning in Massachusetts — not for a form-filling service. The National Academy of Elder Law Attorneys ↗ keeps a directory. Many will do a paid first meeting for a fixed fee; ask what it costs when you book.
Free help first, if money is tight
The free counseling program in Massachusetts will talk any of this through at no charge and sells nothing, and the Eldercare Locator (ACL): 1-800-677-1116 ↗ connects you to the area agency on aging for your county.
Estimate only — not financial, tax, legal, or insurance advice. Only MassHealth can determine your actual amounts. Limits change — sometimes in January, sometimes on a schedule of the state's own — and a figure that was right last year may not be right today. The date we last checked these against MassHealth is printed in the stamp above.
Common questions
- What are the Medicaid long-term-care limits in Massachusetts?
- Massachusetts sets a monthly income limit and a countable asset limit, and both depend on which program you are applying to and whether you are single or married. The figures on this page are transcribed from the state agency's own published materials, with the date we checked them printed beside the table.
- Does the house count against the asset limit?
- Usually not while you or a spouse live in it, and often not up to an equity limit — but the rules are specific, they differ by state, and estate recovery after death is a separate question. This is exactly the kind of thing to take to an elder-law attorney rather than settle from a web page.
- Can I give money away to qualify?
- No. Massachusetts looks back at transfers made in the years before an application and can impose a penalty period of ineligibility for gifts made during it. Get advice before moving any money.