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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 2, 2026.

Income limits

Medically needy income standard

$350 per month

Pathway: medically-needy; setting: institutional long-term care through the medically needy spend-down pathway; applies to: applicant (one-person assistance unit; noncovered medical expenses may satisfy spend-down); measure: cap.

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.

Pathway: institutional-long-term-care; setting: institutional long-term care and qualifying HCBS waivers; applies to: applicant (applicant; pathway-specific eligibility rules apply); measure: cap.

State Medicaid agency

Asset limits

Medically needy resource standard

$2,500

Pathway: medically-needy; setting: institutional long-term care through the medically needy pathway; applies to: applicant (one-person assistance unit); measure: cap.

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

Pathway: aged-blind-disabled; setting: SSI-related categorically needy coverage; applies to: applicant (one person); measure: cap.

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

Pathway: aged-blind-disabled; setting: SSI-related categorically needy coverage; applies to: household (married couple); measure: cap.

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

Pathway: spousal-impoverishment; setting: institutional long-term care and qualifying HCBS waivers; applies to: community-spouse (institutionalized applicant with a community spouse; actual allowance depends on assessed resources and adjustments); measure: range.

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.

Pathway: spousal-impoverishment; setting: institutional long-term care and qualifying HCBS waivers; applies to: community-spouse (institutionalized applicant with a community spouse); measure: allowance.

State Medicaid agency

Home-equity limits

Current home-equity limit

Source unavailable. Check with the state Medicaid agency.

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

State Medicaid agency

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.