Indiana Medicaid Asset Limits

Last updated: August 21, 2026 Jurisdiction: Indiana

Indiana's 2026 countable-resource limits

For 2026, a single Indiana nursing-home applicant is summarized as having a $2,000 countable-asset limit, while a married couple with both spouses applying is summarized at $3,000. These figures are for the long-term-care pathway, not every Medicaid category (2026 Indiana Medicaid eligibility guide; Indiana Medicaid eligibility guide).

Countable resources and exempt resources are different questions. The published Indiana summary identifies the home, one vehicle, household goods, personal effects, and a prepaid irrevocable burial arrangement among items that may be excluded, subject to the governing rules and facts (Indiana 2026 eligibility explanation). A deed, bank balance, retirement account, vehicle, or home should therefore be reviewed under the actual Medicaid policy instead of labeled exempt from a generic checklist.

Income cap, home equity, and a community spouse

Indiana's published 2026 institutional and waiver income cap is $2,982 per month. Indiana is an income-cap state, so a person above that amount needs a properly established Qualified Income Trust rather than a medically needy spend-down for long-term-care coverage (FSSA Miller Trust guidance; Indiana income-cap explanation).

The 2026 home-equity limit reported for Indiana is $752,000. The bar does not apply in the circumstances identified in the federal framework, including when a spouse, a child under 21, or a blind or disabled child lawfully lives in the home; the exact applicability to a household needs current policy confirmation (Indiana home-equity summary; FSSA home-equity policy).

For a married applicant with a community spouse, Indiana's public page lists a July 2026 minimum resource allowance of $32,532 and maximum of $162,660, with the community spouse generally retaining one-half of nonexempt assets within those bounds (Indiana spousal-impoverishment guidance). The snapshot date, ownership, and income allowance are as important as the headline maximum.

Use current figures, not old charts

These amounts change. A prospective applicant should save statements, establish the relevant date of institutionalization or waiver eligibility, and use the current FSSA manual before moving money. The figures explain screening; they do not establish eligibility by themselves.

Do not use the couple-of-two-applicants limit when only one spouse seeks long-term-care Medicaid. That situation invokes community-spouse rules and may require a snapshot calculation, income analysis, and a determination of which resources are legally available (Indiana spousal-impoverishment guidance).

2026 screen: $2,000 single resources · $3,000 when both spouses apply · $2,982/month institutional or waiver income cap · $752,000 home-equity figure · $32,532-$162,660 community-spouse range (Indiana 2026 guide).

Not mutually exclusive. Most families combine two or three funding pillars — this one rarely stands alone. The Journey Assessment ranks all ten pillars against your specific situation and recommends the top three.

Unlock the Full Indiana Breakdown

Enter your name and email to unlock the in-depth Indiana-specific detail on this page. This tells us you're requesting Indiana information specifically — other state pages ask again so we know exactly which state to follow up on.

Want to know how this fits your family's plan?

Twelve questions. About four minutes. A shortlist of funding strategies ranked for your situation — not a generic list.

Take the Journey Assessment Talk to Someone

Indiana's 2026 countable-resource limits

Unlock the Full Indiana Breakdown

Want to know how this fits your family's plan?

Go deeper with The Dependency Series