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Medicaid Planning · New York

New York Long-term-care Medicaid eligibility

Long-term-care Medicaid eligibility rules for New York.

Published: September 4, 2026. Last checked: September 2, 2026.

Income limits

SSI-related Medicaid income level

$1,836 per month

Pathway: aged-blind-disabled; setting: SSI-related non-MAGI coverage and institutional budgeting; applies to: applicant (one-person household; nursing-facility applicants may contribute excess income as net available monthly income); measure: cap.

Source: New York State Department of Health GIS 26 MA/05 Attachment I [state-medicaid-agency] — 2026 Medicaid income and resource levels effective January 1, 2026

Institutionalized-spouse personal-needs allowance

$50 per month

Pathway: institutional-long-term-care; setting: nursing-facility post-eligibility budgeting; applies to: applicant (institutionalized spouse; this is an allowance, not an eligibility cap); measure: allowance.

Source: New York State Department of Health GIS 26 MA/05 Attachment I [state-medicaid-agency] — 2026 Medicaid income and resource levels effective January 1, 2026

Asset limits

SSI-related applicant resource level

$33,038

Pathway: aged-blind-disabled; setting: SSI-related non-MAGI and institutional coverage; applies to: applicant (one-person applicant or institutionalized spouse); measure: cap.

Source: New York State Department of Health GIS 26 MA/05 Attachment I [state-medicaid-agency] — 2026 Medicaid income and resource levels effective January 1, 2026

Community spouse resource allowance (CSRA)

Community-spouse resource allowance

$74,820 state minimum to $162,660 maximum

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

Source: New York State Department of Health GIS 26 MA/03 [state-medicaid-agency] — Community-spouse and home-equity standards effective January 1, 2026 Additional authority: New York State Department of Health GIS 26 MA/05 Attachment I [state-medicaid-agency] — 2026 Medicaid income and resource levels effective January 1, 2026

Monthly maintenance needs allowance (MMMNA)

Community-spouse monthly maintenance-needs allowance

$4,066.50 per month

Pathway: spousal-impoverishment; setting: institutional long-term care; applies to: community-spouse (institutionalized applicant with a community spouse; New York states this single statewide maximum allowance); measure: maximum.

Source: New York State Department of Health GIS 26 MA/03 [state-medicaid-agency] — Community-spouse and home-equity standards effective January 1, 2026 Additional authority: New York State Department of Health GIS 26 MA/05 Attachment I [state-medicaid-agency] — 2026 Medicaid income and resource levels effective January 1, 2026

Home-equity limits

Home-equity limit

$1,130,000

Pathway: institutional-long-term-care; setting: nursing-facility and community-based long-term-care coverage; applies to: applicant (applicant subject to New York's substantial-home-equity rule); measure: cap.

Source: New York State Department of Health GIS 26 MA/03 [state-medicaid-agency] — Community-spouse and home-equity 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.