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Medicaid Planning · Iowa

Iowa Long-term-care Medicaid eligibility

Long-term-care Medicaid eligibility rules for Iowa.

Published: Not yet published. Last checked: September 5, 2026.

Income limits

Institutional long-term-care income limit

$2,982 per month

Applies to the applicant under the institutional long-term care pathway for nursing-facility care. This is a cap. Details: institutionalized applicant; an income trust may be available above the cap under Iowa's separate trust ceiling.

Source: Iowa Medicaid Employees Manual, Chapter F [state-medicaid-agency] — Revised May 22, 2026

Asset limits

Applicant resource limit after spousal attribution

$2,000

Applies to the applicant under the institutional long-term care pathway for nursing-facility care. This is a cap. Details: institutionalized applicant after resources are divided with a community spouse.

Source: Iowa Medicaid 2026 standards general letter [state-medicaid-agency] — 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 institutional long-term care. This is a range. Details: institutionalized applicant with a community spouse; one-half of combined resources within the stated range.

Source: Iowa Medicaid 2026 standards general letter [state-medicaid-agency] — Effective January 1, 2026

Monthly maintenance needs allowance (MMMNA)

Minimum monthly maintenance-needs allowance

Source unavailable. Check with the state Medicaid agency.

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

State Medicaid agency

Maximum monthly maintenance-needs allowance

Source unavailable. Check with the state Medicaid agency.

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

State Medicaid agency

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 whose home is otherwise subject to the substantial-home-equity rule.

Source: Iowa Medicaid 2026 standards general letter [state-medicaid-agency] — 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.