The asset limit came back in 2026
Medi-Cal started counting assets again on January 1, 2026 for people who are 65 or older, have a disability or live in a nursing home. The most you can own in countable assets is $130,000 for one person, plus $65,000 for each additional person in the household, up to 10 people. State law on these limits can change, so check the state page for the current figures.
Official source: Asset limit questions and answers (DHCS)
What is not counted
The state lists these as not counted: your main home where you live, your main vehicle, household items such as furniture and clothes, and retirement funds if you are getting regular payments. Second homes, second vehicles, cash and bank accounts are counted.
Giving assets away
If you move into a nursing home, Medi-Cal looks at assets you gave away in the 30 months before you entered. Transfers made on or after January 1, 2026 for less than they are worth may delay your long-term care coverage. Transfers made before that date are not counted. Ask your county Medi-Cal office how the rule applies to you.
If you are married
Some married couples and registered domestic partners qualify for higher limits under the Spousal Impoverishment rule, which protects a spouse from losing all their assets. Ask your county Medi-Cal office.
Free counseling
HICAP gives free, confidential one-on-one counseling about Medicare and long-term care insurance: 1-800-434-0222. The California Aging and Adult Information Line connects you with your local Area Agency on Aging: 1-800-510-2020.
Official source: HICAP
Rules and amounts change. This page is general information, not advice about your case. Confirm with the agency before you decide. Checked against the official pages on Nov 10, 2026.
More help paying
Paying for assisted living in California with SSI or Medi-Cal
What SSI/SSP pays in a licensed care home in 2026, how Medi-Cal's Assisted Living Waiver works and where it is offered, and who can join PACE.
Affordable senior housing in California: HUD and nonprofits
Low-rent apartments for older adults: HUD Section 202 buildings, Housing Choice Vouchers and nonprofit housing organizations. Also paid help at home through IHSS.
Veterans: help paying for senior care in California
VA pension with Aid and Attendance for veterans and surviving spouses who need daily help, and the state Veterans Homes of California, where fees are a share of income.