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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

Pathway: institutional-long-term-care; setting: Institutional Care Program, qualifying HCBS waivers, and hospice; applies to: applicant (single applicant); measure: cap.

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

Pathway: institutional-long-term-care; setting: Institutional Care Program, qualifying HCBS waivers, and hospice; applies to: household (married couple when both spouses apply); measure: cap.

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

Pathway: institutional-long-term-care; setting: Institutional Care Program, qualifying HCBS waivers, and hospice; applies to: applicant (single applicant); measure: cap.

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

Pathway: institutional-long-term-care; setting: Institutional Care Program, qualifying HCBS waivers, and hospice; applies to: household (married couple when both spouses apply; a community spouse's protected resources are assessed separately); measure: cap.

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

Pathway: spousal-impoverishment; setting: Institutional Care Program and qualifying HCBS waivers; applies to: community-spouse (institutionalized applicant with a community spouse; actual protected amount depends on assessed resources and adjustments); measure: maximum.

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

Pathway: spousal-impoverishment; setting: Institutional Care Program and qualifying HCBS waivers; applies to: community-spouse (institutionalized applicant with a community spouse; Florida publishes a rounded $812 excess-shelter standard, and spouse income affects the actual allowance); measure: range.

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

Pathway: institutional-long-term-care; setting: long-term-care services; applies to: applicant (applicant subject to Florida's substantial-home-equity rule); measure: cap.

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 and update policy

Methodology & sources

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

This page is educational and is not legal advice.