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Medicaid Planning · Indiana

Indiana Long-term-care Medicaid eligibility

Long-term-care Medicaid eligibility rules for Indiana.

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 and qualifying waiver services. This is a cap. Details: single applicant.

Source: Indiana Medicaid Eligibility Policy Manual [state-medicaid-agency] — 2026 eligibility standards effective January 1, 2026

Asset limits

Applicant resource limit

$2,000

Applies to the applicant under the institutional long-term care pathway for long-term-care services. This is a cap. Details: single applicant or community-spouse case applicant.

Source: Indiana Medicaid Eligibility Policy Manual [state-medicaid-agency] — 2026 eligibility standards effective January 1, 2026

Resource limit when both spouses apply

$3,000 combined

Applies to the household under the institutional long-term care pathway for long-term-care services. This is a cap. Details: married couple when both spouses apply in the specified fact pattern.

Source: Indiana Medicaid Eligibility Policy Manual [state-medicaid-agency] — 2026 eligibility standards effective January 1, 2026

Community spouse resource allowance (CSRA)

Community-spouse resource allowance

$32,532 minimum to $162,660 maximum

Applies to the community spouse under the spousal impoverishment pathway for long-term-care services. This is a range. Details: institutionalized applicant with a community spouse.

Source: Indiana Long Term Care Partnership spousal-impoverishment standards [state-medicaid-agency] — Page updated May 1, 2026; allowance period beginning July 1, 2026 Additional authority: Indiana Medicaid Eligibility Policy Manual [state-medicaid-agency] — 2026 eligibility standards effective January 1, 2026

Monthly maintenance needs allowance (MMMNA)

Community-spouse monthly maintenance-needs allowance

$2,705 minimum to $4,067 maximum; $812 shelter standard

Applies to the community spouse under the spousal impoverishment pathway for long-term-care services. This is a range. Details: institutionalized applicant with a community spouse; shelter allowance may affect the actual allocation.

Source: Indiana Medicaid Eligibility Policy Manual: July 2026 transfer and allowance updates [state-medicaid-agency] — Transfer divisor and allowance updates effective July 1, 2026 Additional authority: Indiana Long Term Care Partnership spousal-impoverishment standards [state-medicaid-agency] — Page updated May 1, 2026; allowance period beginning 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 Indiana's home-equity rule.

Source: Indiana Medicaid Eligibility Policy Manual [state-medicaid-agency] — 2026 eligibility 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.