Short answer: Starting January 1, 2026, Medi-Cal again counts assets for people age 65 or older, people with disabilities, nursing home residents and some other non-MAGI members. According to DHCS, the limit is $130,000 for one person plus $65,000 for each additional household member (up to 10). Changes have been reported for 2027, so confirm the current limit with DHCS. Your home, one vehicle, household goods and certain retirement accounts are exempt.
The limits, by date
| Period | One person | Two people | Each additional person | Source |
|---|---|---|---|---|
| Since Jan. 1, 2026 | $130,000 | $195,000 ($130,000 + $65,000) | $65,000 (up to 10 people) | DHCS Asset Limit FAQ |
Married couples with spousal impoverishment protections get additional allowances, according to DHCS.
Who it applies to
DHCS says the asset test applies to members who are 65 or older, have a disability, live in a nursing home, or are in a family whose income is too high to qualify under federal tax rules. It covers non-MAGI programs, including long-term care and the Medicare Savings Programs. Most working-age adults and children on income-based (MAGI) Medi-Cal are not affected.
What counts and what doesn't
| Usually counted | Usually exempt |
|---|---|
| Cash and bank accounts | One primary residence |
| Stocks | One vehicle |
| Secondary properties | Household goods |
| Certain retirement accounts |
Source: DHCS.
Transfers and the look-back
According to DHCS, transfers made before January 1, 2026 aren't counted. Giving away assets for less than they're worth on or after that date may cause a penalty that delays long-term care coverage.
Insurance planning questions to ask
- Long-term care: If you're weighing private coverage, see our California Partnership for Long-Term Care guide and long-term care insurance page. Ask an elder law attorney how a policy's benefits interact with Medi-Cal for your situation.
- Medicare supplements: If you rely on a Medicare Savings Program, the asset test now applies at renewal. Review your Medigap options.
- Life insurance cash value: Ask the county or an attorney how any cash value is treated before you change a policy. We don't decide eligibility.
Checklist
- Watch for your renewal packet. DHCS says current members report assets at their next renewal after January 1, 2026.
- List countable assets and their values.
- Talk to an elder law attorney before moving or gifting assets.
- Review long-term care and Medicare coverage with a licensed broker.
Frequently asked questions
What is the Medi-Cal asset limit in 2026?
$130,000 for one person plus $65,000 for each additional household member (up to 10), according to DHCS. Confirm with DHCS whether the limit changes in 2027.
Is my house counted?
One primary residence is exempt, along with one vehicle, household goods and certain retirement accounts.
Do gifts count?
Transfers made before January 1, 2026 aren't counted. Transfers for less than fair value on or after that date may delay long-term care coverage.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. Not legal, tax or financial advice, and not a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.