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Medicaid Planning · Colorado

Colorado Long-term-care Medicaid eligibility

Long-term-care Medicaid eligibility rules for Colorado.

Published: September 4, 2026. Last checked: September 5, 2026.

Income limits

Institutional and waiver income limit

$2,982 per month

Applies to the applicant under the institutional long-term care pathway for institutional long-term care and qualifying HCBS waivers. This is a cap. Details: single applicant.

Source: Colorado HCPF Operational Memo 25-073 [state-medicaid-agency] — Issued December 9, 2025; effective January 1 through December 31, 2026 Additional authority: CMS 2026 SSI and spousal-impoverishment standards [cms] — Income and resource standards effective January 1, 2026

Asset limits

Applicant resource limit

$2,000

Applies to the applicant under the institutional long-term care pathway for institutional long-term care and qualifying HCBS waivers. This is a cap. Details: single applicant.

Source: Colorado rule 10 CCR 2505-10 section 8.100.5.M.1 [state-medicaid-agency] — Current version effective June 12, 2026

Resource limit when both spouses apply

$3,000

Applies to the household under the institutional long-term care pathway for institutional long-term care and qualifying HCBS waivers. This is a cap. Details: married couple when both spouses apply.

Source: Colorado rule 10 CCR 2505-10 section 8.100.5.M.1 [state-medicaid-agency] — Current version effective June 12, 2026

Community spouse resource allowance (CSRA)

Maximum community-spouse resource allowance

$162,660

Applies to the community spouse under the spousal impoverishment pathway for institutional long-term care and qualifying HCBS waivers. This is a maximum. Details: institutionalized applicant with a community spouse; actual protected amount depends on assessed resources and adjustments.

Source: Colorado HCPF Operational Memo 25-073 [state-medicaid-agency] — Issued December 9, 2025; effective January 1 through December 31, 2026 Additional authority: CMS 2026 SSI and spousal-impoverishment standards [cms] — Income and resource standards effective January 1, 2026

Monthly maintenance needs allowance (MMMNA)

Community-spouse monthly maintenance-needs allowance

$2,705 minimum to $4,066.50 maximum

Applies to the community spouse under the spousal impoverishment pathway for institutional long-term care and qualifying HCBS waivers. This is a range. Details: institutionalized applicant with a community spouse; actual allocation depends on spouse income and shelter costs.

Source: CMS July 2026 spousal-impoverishment update [cms] — Minimum maintenance-needs and shelter amounts effective July 1, 2026 Additional authority: Colorado HCPF Operational Memo 25-073 [state-medicaid-agency] — Issued December 9, 2025; effective January 1 through December 31, 2026

Home-equity limits

Home-equity limit

$1,130,000

Applies to the applicant under the institutional long-term care pathway for long-term-care services. This is a cap. Details: applicant without a protected spouse or qualifying child in the home.

Source: Colorado HCPF Operational Memo 25-073 [state-medicaid-agency] — Issued December 9, 2025; effective January 1 through December 31, 2026 Additional authority: CMS 2026 SSI and spousal-impoverishment standards [cms] — Income and resource standards effective January 1, 2026

Sources

Methodology & sources

Checked at least annually and whenever the state or CMS publishes new long-term-care eligibility figures.

General information, not legal advice.