Minnesota Medicaid Asset Limits

Last updated: August 21, 2026 Jurisdiction: Minnesota

Minnesota's current MA resource limits

DHS's current DHS-3461A guideline, effective July 1, 2026 through June 30, 2027 for the MA elderly, blind, and disabled categories, lists a $3,000 asset limit for one person and $6,000 for a household of two, plus $200 for each dependent. These are MA asset-test figures; a particular asset still needs an availability and exclusion analysis (DHS-3461A income and asset guidelines).

DHS explains that assets can include financial accounts, a car, a home, and investments, and that in most cases a home and one car do not count against the applicable asset limit. For MA long-term-care services, however, the home has a separate equity rule, so “homestead” does not mean that every amount of equity is automatically ignored (DHS income and asset limits; DHS nursing-home coverage guide).

Income uses a spenddown pathway

Minnesota is not accurately reduced to a hard income-cap state. DHS states that an older person whose income is too high for MA may be eligible through a spenddown, and describes a spenddown as paying part of medical expenses before MA pays. For an eligible institutionalized person, the statute requires income left after ordered deductions to be applied to institutional care (DHS coverage for people age 65 or older; Minnesota Statutes section 256B.0575).

Home equity and the community spouse

Minnesota law sets a $500,000 home-equity rule for MA long-term-care services and requires annual CPI adjustment beginning in 2011. The most recent public House Research guide located in this review states $730,000 effective January 1, 2025; because the statute indexes the amount and that guide does not state a 2026 figure, obtain the live figure from DHS before a filing. The statute also provides a written county hardship process for an imminent threat to health and well-being where there is no alternative payment source (Minnesota Statutes section 256B.056; Minnesota House Research asset guide).

For a married applicant, Minnesota requires an assessment of assets owned by either spouse and permits a transfer to the community spouse under its annually adjusted statutory allowance, with possible increase through the income-producing-assets rule, a hearing, or court order. CMS's 2026 published ceiling is $162,660; the county or Tribal calculation, rather than an online estimate, controls the Minnesota result (Minnesota Statutes section 256B.059; CMS 2026 spousal standards).

2026 assets: $3,000 single; $6,000 for two people plus $200 per dependent. Home equity: Minnesota's amount is indexed; the last verified public figure is $730,000 for 2025, so confirm the 2026 number directly (DHS-3461A).

See Medicaid (Baseline) for the larger framework. Do not spend, give away, retitle, or disclaim assets merely to hit a figure without Minnesota-specific advice.

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Minnesota's current MA resource limits

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