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Medicaid Planning Tools

Free calculators for all 50 states — no signup required.

🧮 Eligibility Calculator ⏱ Look-Back Penalty 💑 Spousal CSRA 🏥 Cost-of-Care Runway Soon ❓ Qualify Quiz Soon 📋 Document Checklist Soon
Florida · 2026

Medicaid Eligibility
Calculator

Who is applying?
$/mo
$0$9,000
$
$0$600k

Don't include your primary home or one vehicle

Own a home?

Data verified 2026-06-27 · Estimates only, not legal advice

What this calculator does

  • Checks income & asset limits for your state
  • Shows exactly how much is "at risk" of spend-down
  • Explains which planning strategies apply
  • Estimates penalty months if gifts were made

Florida Quick Facts

Income limit (single)$2,982/mo
Asset limit (single)$2,000
Spousal allowanceup to $162,660
Look-back period60 months
Full Florida Page →

💑 Community Spouse Resource Allowance (CSRA)

When one spouse enters a nursing home, the spouse who stays home is protected from total impoverishment. The CSRA is the maximum amount they may keep.

CSRA Maximum (2026) $162,660 Assets above this must be spent down
Min Monthly Income (MMMNA) $2,705/mo Guaranteed income for at-home spouse
Max Monthly Income (MMMNA) $4,067/mo Income ceiling for spousal support
Applicant Asset Limit $2,000 What the applicant may keep
How to use this: Select "One married" in the eligibility calculator above — it automatically applies the Florida CSRA when calculating how much is at risk.

Common Questions

Answers to what families worry about most.

Will Medicaid take my parent's house?

Not immediately. Medicaid cannot force the sale of a home while your parent is living — or while a spouse, minor child, or disabled sibling lives there. However, the state may file an estate recovery claim after your parent passes. Proper planning (life estates, trusts, transfer strategies) can protect the home for heirs.

How does the 5-year look-back period work?

Medicaid reviews all asset transfers made in the 60 months before you apply. If money or property was gifted away below fair market value, Medicaid calculates a penalty period during which it won't pay for care. Use our Look-Back Penalty Estimator above to calculate your exposure.

How much can the healthy spouse keep?

The Community Spouse Resource Allowance (CSRA) lets the at-home spouse keep between $31,584 and $157,920 (2026 federal range), depending on your state. Our calculator above shows the exact CSRA for your state.

What counts as an "asset" for Medicaid?

Countable assets include checking/savings accounts, investments, vacation homes, and most vehicles beyond one. Non-countable assets include the primary home (if a spouse or dependent lives there), one car, household goods, burial funds, and life insurance under certain limits.

Can I give money to my kids to qualify faster?

Yes — but timing matters. Any gift made in the past 60 months before applying triggers a penalty. Gifts made before the 5-year look-back window are generally safe. A Medicaid planner can help you structure transfers legally to minimize the penalty period.

How long does Medicaid approval take?

Most states must act within 45 days for non-disability applications, or 90 days when disability must be established. Incomplete applications or missing documents are the most common cause of delays. Having everything documented before applying is critical.

Still have questions specific to your situation?

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