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Medicaid Planning · Florida

Florida Long-term-care Medicaid eligibility

Long-term-care Medicaid eligibility rules for Florida.

Published: September 4, 2026. Last checked: September 2, 2026.

Income limits

ICP, HCBS, and hospice income limit

$2,982 per month

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

Source: Florida DCF Appendix A-9 MSSI Income and Asset Standards [state-medicaid-agency] — July 2026 edition; starred annual standards effective January 1, 2026

ICP, HCBS, and hospice income limit when both spouses apply

$5,964 per month

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

Source: Florida DCF Appendix A-9 MSSI Income and Asset Standards [state-medicaid-agency] — July 2026 edition; starred annual 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 Care Program, qualifying HCBS waivers, and hospice. This is a cap. Details: single applicant.

Source: Florida DCF Appendix A-9 MSSI Income and Asset Standards [state-medicaid-agency] — July 2026 edition; starred annual standards effective January 1, 2026

Resource limit when both spouses apply

$3,000

Applies to the household under the institutional long-term care pathway for Institutional Care Program, qualifying HCBS waivers, and hospice. This is a cap. Details: married couple when both spouses apply; a community spouse's protected resources are assessed separately.

Source: Florida DCF Appendix A-9 MSSI Income and Asset Standards [state-medicaid-agency] — July 2026 edition; starred annual standards effective January 1, 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 Care Program 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: Florida DCF Appendix A-9 MSSI Income and Asset Standards [state-medicaid-agency] — July 2026 edition; starred annual 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 Care Program and qualifying HCBS waivers. This is a range. Details: institutionalized applicant with a community spouse; Florida publishes a rounded $812 excess-shelter standard, and spouse income affects the actual allowance.

Source: CMS July 2026 spousal-impoverishment update [cms] — Minimum maintenance-needs and shelter amounts effective July 1, 2026 Additional authority: Florida DCF Appendix A-9 MSSI Income and Asset Standards [state-medicaid-agency] — July 2026 edition; triple-starred spousal standards effective July 1, 2026

Home-equity limits

Home-equity limit

$752,000

Applies to the applicant under the institutional long-term care pathway for long-term-care services. This is a cap. Details: applicant subject to Florida's substantial-home-equity rule.

Source: Florida DCF Appendix A-9 MSSI Income and Asset Standards [state-medicaid-agency] — July 2026 edition; starred annual 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.