Connecticut Medicaid Asset Limits

Last updated: August 21, 2026 Jurisdiction: Connecticut

Connecticut’s basic long-term-care resource figure is $1,600

DSS lists a $1,600 single-person asset limit in its HUSKY C LTSS overview. Connecticut’s Partnership consumer guidance likewise says a single person in a skilled nursing facility can have no more than $1,600 in total assets (Connecticut DSS HUSKY C overview; Connecticut Partnership Medicaid guidance). The figure is a countable-resource rule, not a conclusion that every item a family owns is countable. The consumer guidance defines an asset broadly as something convertible to cash, while the eligibility analysis must still determine exemptions, ownership, and value (Connecticut Partnership Medicaid guidance).

For a regular HUSKY C household, DSS displays $1,600 for one person and $2,400 for a married couple, but it separately says LTSS financial treatment varies and married LTSS limits are based on the community spouse protected amount (Connecticut DSS HUSKY C overview). It would therefore be inaccurate to apply the $2,400 general couple number mechanically when one spouse is receiving long-term-care services. Ask DSS to identify the applicant’s coverage group and the couple’s protected resources.

2026 community-spouse rules

The Connecticut Partnership’s January–March 2026 update says that, effective January 1, 2026, a spouse living at home may retain one-half of the couple’s assets up to $162,660 when the other spouse receives Connecticut Medicaid long-term-care services. It also sets the minimum at $32,532 (Connecticut 2026 Partnership update). That range is the community-spouse resource protection, not an automatic allowance for every married household or an invitation to retitle assets without review.

The same update says the primary residence is not a countable asset when one spouse is living in it (Connecticut 2026 Partnership update). Ownership, occupancy, equity, liens, and a proposed transfer remain fact-specific. A family should retain deeds, mortgage information, bank records, account statements, and the date the continuous institutionalization began before asking for a spousal calculation.

Income, home equity, and spend-down need their own analysis

Connecticut’s HUSKY C page says applicants whose income is over a Medicaid limit may still qualify through the spend-down program by spending excess income or assets on qualifying medical expenses (Connecticut DSS HUSKY C overview). That is materially different from assuming a hard income cap always controls long-term-care eligibility. The agency’s public page does not supply a universal one-line calculation for every institutional and waiver case, so the care setting must be confirmed.

OPM’s Connecticut Partnership consumer page states that a long-term-care applicant is ineligible for Medicaid payment of long-term-care services if home equity exceeds $1,130,000, subject to listed exceptions involving certain children, inability to obtain specified home financing, and Connecticut Partnership Medicaid Asset Protection (Connecticut Partnership Medicaid guidance). Use the current agency information for the particular application date. A home, trust, annuity, jointly held account, or recent sale should never be classified solely by reference to the $1,600 figure.

Key 2026 figures: $1,600 individual LTSS resource limit; $32,532 minimum and $162,660 maximum community-spouse resource protection; $1,130,000 published home-equity figure (Connecticut DSS HUSKY C overview; Connecticut 2026 Partnership update; Connecticut Partnership Medicaid guidance).

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Connecticut’s basic long-term-care resource figure is $1,600

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