Assets are things you own that have value. These can include:
- Bank accounts;
- Cash;
- Second vehicles;
- Second homes; and
- Other financial resources, no matter where they are.
Asset Limits Are Back. Stay Informed.
Starting January 1, 2026, asset information is now required to determine Medi-Cal eligibility for certain individuals who are:
Asset Limit
Asset Limit is the most you can own in countable assets and still qualify for Medi-Cal. The limit is:
Not everyone in your home may count toward your family size. For example, adult children living with you are not included. Some married couples or registered domestic partners may qualify for higher limits. Ask your county Medi-Cal office about Spousal Impoverishment (a rule that protects a spouse from losing all their assets).
Household Asset Limits as of January 1, 2026
| Household Size | Asset Limit |
|---|---|
| 1 person | $130,000 |
| 2 people | $195,000 |
| 3 people | $260,000 |
| 4 people | $325,000 |
| 5 people | $390,000 |
| 6 people | $455,000 |
| 7 people | $520,000 |
| 8 people | $585,000 |
| 9 people | $650,000 |
| 10 people | $715,000 |
Assets are things you own that have value. These can include:
Not Counted (won't affect eligibility)
Counted (may affect eligibility)
Medi-Cal now looks at your assets (things you own) to decide if you can get or keep coverage. This means you'll need to share information about what you own when you:
These limits apply to people who:
If you already have Medi-Cal, you’ll report your assets when you renew your coverage.
If your assets are over the limit, you may want to:
If you’re over the limit when you renew, you may lose your Medi-Cal coverage.
For most people, giving away or selling assets won’t affect Medi-Cal. If you live in a nursing home or may need Long-Term Care in the future, giving away assets for less than they’re worth could delay your Long-Term Care coverage.
You can spend or give away countable assets to stay under the limit. This won’t affect your Medi-Cal in most cases. If you may need Long-Term Care, you must spend down your assets. This means using your money to buy things you need.
Examples:
If you move into a nursing home, Medi-Cal will look at any assets you gave away in the 30 months before you entered the facility. This is called a look-back period.
You can give away or sell assets without losing Medi-Cal if:
Ask your county Medi-Cal office for help with safe ways to transfer assets.
If you’re married or in a registered domestic partnership, you may be able to split your assets with your spouse or partner. This can help you qualify for Medi-Cal.
Contact your county Medi-Cal office to learn more.
If you own your home and plan to return to it, it won’t count against you.
Your home also won’t count if your:
But any extra homes will count.