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Medicaid Planning · Ohio

Ohio Long-term-care Medicaid eligibility

Long-term-care Medicaid eligibility rules for Ohio.

Published: September 4, 2026. Last checked: September 5, 2026.

Income limits

Special-income level

$2,982 per month (300% of the 2026 SSI individual benefit)

Applies to the applicant under the institutional long-term care pathway for institutional long-term-care services. This is a cap. Details: individual applicant.

Source: Ohio Administrative Code 5160:1-6-03.1 [state-medicaid-agency] — Effective December 1, 2023 Additional authority: CMS 2026 SSI and January spousal-impoverishment standards [cms] — SSI, resource, spousal-impoverishment maximum, and home-equity standards effective January 1, 2026

Asset limits

Individual 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: individual applicant.

Source: Ohio Administrative Code 5160:1-3-05.1 [state-medicaid-agency] — Effective April 1, 2022

Eligible-couple resource limit

$3,000

Applies to the household under the institutional long-term care pathway for long-term-care services. This is a cap. Details: eligible couple.

Source: Ohio Administrative Code 5160:1-3-05.1 [state-medicaid-agency] — Effective April 1, 2022

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: one-half of combined countable resources, subject to hearing or court adjustment.

Source: Ohio Administrative Code 5160:1-6-04 [state-medicaid-agency] — Effective April 1, 2026 Additional authority: CMS 2026 SSI and January spousal-impoverishment standards [cms] — SSI, resource, spousal-impoverishment maximum, and home-equity standards effective January 1, 2026

Monthly maintenance needs allowance (MMMNA)

Community-spouse minimum monthly maintenance-needs allowance

$2,705 per month

Applies to the community spouse under the spousal impoverishment pathway for post-eligibility long-term-care calculation. This is a minimum. Details: institutionalized applicant with a community spouse; allowable excess shelter expenses may increase the actual allowance.

Source: CMS 2026 minimum maintenance-needs standards [cms] — Minimum maintenance-needs amount effective July 1, 2026 Additional authority: Ohio Administrative Code 5160:1-6-07 [state-medicaid-agency] — Effective June 1, 2025

Community-spouse maximum monthly maintenance-needs allowance

$4,066.50 per month

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

Source: CMS 2026 SSI and January spousal-impoverishment standards [cms] — SSI, resource, spousal-impoverishment maximum, and home-equity standards effective January 1, 2026 Additional authority: Ohio Administrative Code 5160:1-6-07 [state-medicaid-agency] — Effective June 1, 2025

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 without a spouse, child under 21, or blind or disabled child residing in the home.

Source: Ohio Administrative Code 5160:1-6-02.1 [state-medicaid-agency] — Effective March 1, 2024 Additional authority: CMS 2026 SSI and January spousal-impoverishment standards [cms] — SSI, resource, spousal-impoverishment maximum, and home-equity 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.