Pennsylvania Medicaid Asset Limits

Last updated: August 21, 2026 Jurisdiction: Pennsylvania

Start with Pennsylvania's two income paths

DHS publishes a 2026 individual income limit of $2,982 per month for the 300%-of-SSI-FBR institutional pathway. PA DHS, Medicaid Payment for Long-Term Care Pennsylvania also offers a medically needy or spend-down pathway, under which DHS says income above the limit may be reduced by incurred medical or cost-of-care expenses over a six-month period. PA DHS, Medicaid Payment for Long-Term Care

That structure means Pennsylvania is not accurately summarized as a strict income-cap state for every long-term-care applicant. PA DHS, Medicaid Payment for Long-Term Care Compare Florida's asset-limits page for its hard income-cap framework.

Resources and the home

When monthly income is at or below $2,982, DHS describes a $2,000 resource limit plus a $6,000 resource disregard, commonly expressed as $8,000 of combined protection. PA DHS, Medicaid Payment for Long-Term Care When income exceeds $2,982, DHS lists a $2,400 resource limit. PA DHS, Medicaid Payment for Long-Term Care

2026 home-equity limit: $752,000, unless a spouse or dependent relative lives in the home; DHS also says the home can be exempt when the applicant intends to return. PA DHS, Medicaid Payment for Long-Term Care

DHS lists bank accounts, securities, retirement accounts, non-resident real estate, and specified life-insurance cash value among countable resources, while listing one vehicle, burial spaces or reserves, and the qualifying home among non-countable resources. PA DHS, Medicaid Payment for Long-Term Care

Protections when one spouse needs care

For 2026, the community spouse may retain the greater of the $32,532 state minimum, one-half of countable couple resources up to $162,660, or a higher amount set by court order or a fair-hearing decision. PA DHS, Medicaid Payment for Long-Term Care

The federal 2026 standards set the MMMNA floor at $2,705.00 per month from July 1, 2026 through June 30, 2027 and the maximum at $4,066.50 for calendar year 2026. HHS/CMS 2026 SSI and Spousal Impoverishment Standards

Why a current resource review matters

Titles, retirement accounts, insurance cash values, and the home can receive different treatment, so a simple account balance is not a complete eligibility analysis. PA DHS, Medicaid Payment for Long-Term Care See Medicaid (Baseline) for the national framework and confirm current DHS standards before applying or retitling property.

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