Medicaid limits by state › Michigan
Medicaid Long-Term Care Eligibility in Michigan (2026)
To qualify for Medicaid-paid nursing home or long-term care in Michigan in 2026, a single applicant must generally have no more than $9,950 in countable assets and income at or below $2,982 / month. Medically needy / spend-down state.
Michigan 2026 limits at a glance
| Test | 2026 standard in Michigan |
|---|---|
| Countable asset limit (single) | $9,950 |
| Countable asset limit (couple, both applying) | $3,000 |
| Income limit | $2,982 / month |
| Home equity limit | $752,000 |
| Spousal asset allowance (CSRA) | Community spouse may keep between $32,532 and $162,660 of the couple's assets |
| Spousal income allowance (MMNA) | Minimum $2,705/month |
| Look-back period | 60 months (asset transfers for less than fair value can cause a penalty period) |
How Michigan treats income
This is a medically needy (spend-down) state: income above the limit can be spent down on medical and care expenses to qualify.
Good to know in Michigan
Michigan raised its asset limit from $2,000 to $9,950 in 2025. Nursing home Medicaid has no hard income cap — excess income becomes a patient-pay amount; the $2,982 figure here is the commonly used HCBS standard.
Check your own eligibility
Enter your assets, income and marital status to see whether you pass all three financial tests in Michigan — and if not, by how much, and which lawful pathways exist:
Open the Medicaid eligibility estimator →What does care cost in Michigan?
See median nursing home, assisted living and home care prices for Michigan:
Michigan senior care costs →Sources: 2026 federal Medicaid standards (CMS) and published state standards compiled by the American Council on Aging. This page is a planning estimate, not a determination — only the Michigan Medicaid agency can decide eligibility. Rules change; verify before making financial moves, ideally with an elder law attorney.