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Medicaid Planning · Maryland

Maryland Long-term-care Medicaid eligibility

Long-term-care Medicaid eligibility rules for Maryland.

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

Income limits

Medically needy income standard

$350 per month

Applies to the applicant under the medically needy pathway for institutional long-term care through the medically needy spend-down pathway. This is a cap. Details: one-person assistance unit; noncovered medical expenses may satisfy spend-down.

Source: Maryland Medicaid Manual Appendix schedules for 2026 [state-medicaid-agency] — 2026 appendix with January 1, 2026 updates; schedule-specific markers retained Additional authority: Maryland Medicaid Manual section 1000 [state-medicaid-agency] — Final manual section dated May 15, 2014

Universal institutional and waiver gross-income limit

Source unavailable. Check with the state Medicaid agency.

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: applicant; pathway-specific eligibility rules apply.

State Medicaid agency

Asset limits

Medically needy resource standard

$2,500

Applies to the applicant under the medically needy pathway for institutional long-term care through the medically needy pathway. This is a cap. Details: one-person assistance unit.

Source: Maryland Medicaid Manual Appendix schedules for 2026 [state-medicaid-agency] — 2026 appendix with January 1, 2026 updates; schedule-specific markers retained

Categorically needy individual resource standard

$2,000

Applies to the applicant under the aged, blind, or disabled pathway for SSI-related categorically needy coverage. This is a cap. Details: one person.

Source: Maryland Medicaid Manual Appendix schedules for 2026 [state-medicaid-agency] — 2026 appendix with January 1, 2026 updates; schedule-specific markers retained

Categorically needy couple resource standard

$3,000

Applies to the household under the aged, blind, or disabled pathway for SSI-related categorically needy coverage. This is a cap. Details: married couple.

Source: Maryland Medicaid Manual Appendix schedules for 2026 [state-medicaid-agency] — 2026 appendix with January 1, 2026 updates; schedule-specific markers retained

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 and qualifying HCBS waivers. This is a range. Details: institutionalized applicant with a community spouse; actual allowance depends on assessed resources and adjustments.

Source: Maryland Medicaid Manual Appendix schedules for 2026 [state-medicaid-agency] — 2026 appendix with January 1, 2026 updates; schedule-specific markers retained Additional authority: CMS 2026 SSI and spousal-impoverishment standards [cms] — Income, resource, CSRA, maximum MMMNA, and home-equity figures effective January 1, 2026

Monthly maintenance needs allowance (MMMNA)

Current community-spouse 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 and qualifying HCBS waivers. This is an allowance. Details: institutionalized applicant with a community spouse.

State Medicaid agency

Home-equity limits

Current home-equity limit

Source unavailable. Check with the state Medicaid agency.

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

State Medicaid agency

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.