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What are the Medicaid income and asset limits for home care in Minnesota?

Last verified October 17, 2026 · All Minnesota resources

In Minnesota, the income limit is $2,982/month and the asset limit is $3,000 single. Minnesota's Special Income Standard for the Elderly Waiver is $2,982 a month in 2026; people at or below it keep a maintenance needs allowance of $1,353 a month (from July 1, 2026) and contribute the rest toward their care. Medical Assistance for people 65 and older or with disabilities has an asset limit of $3,000 for one person and $6,000 for two. Minnesota also allows people over the income standard to qualify through a spenddown. Home equity over $752,000 can limit long-term care coverage.

Program Medical Assistance long-term care: Elderly Waiver (EW), disability waivers (CADI, BI, CAC, DD), Alternative Care and nursing facility care
Income limit (single applicant) $2,982/month for a single applicant (Special Income Standard for the Elderly Waiver)
How income is counted special income limit (300% SSI)
Medically needy spend-down Yes
Asset limit (single) $3,000 single
Asset limit (couple, both applying) $6,000 for a household of two
Home equity limit $752,000
Look-back period 60 months

What if a married applicant's spouse stays at home?

Federal spousal impoverishment rules protect part of the couple's income and assets for the spouse who stays home. For 2026 the community spouse can keep between $32,532 and $162,660 in assets, depending on the state.

Which programs pay for care at home?

Once someone is financially eligible, home care is usually paid through a waiver or state plan program. See the Minnesota Medicaid waivers that pay for home care.

How to apply in Minnesota (Minnesota Department of Human Services (DHS))

What should you confirm with the state?

Ask your county or tribal agency how the spenddown and income rules apply to the waiver you need.

Sources

More for Minnesota

Medicaid eligibility by state: other states

Related guides

Authorizations

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