Michigan Medicaid Income & Asset Limits for Nursing Homes & In-Home Long Term Care

Post OBBBA, the American Council on Aging updated its Michigan Medicaid Income & Asset Limits for Nursing Homes & In-Home Long Term Care with two statements:

One Big Beautiful Bill Act (OBBBA) & Medicaid Cuts: Don’t panic just yet. While $1 trillion in Medicaid cuts sounds alarming, it will happen over a 10-year span. The first cut begins in 2026, with the elimination of enhanced federal funds for states that expanded Medicaid under the Affordable Care Act (all states except, AL, FL, GA, KA, MS, SC, TN, TX, WI & WY). Nursing home care is protected, but Home and Community Based Services (HCBS) programs are likely to be targeted for reductions. However, the new law and its cuts to Medicaid are still facing many legal and political challenges at both the state and federal level.

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Simplified Eligibility Criteria: Single Nursing Home Applicant
In 2026, a single Nursing Home Medicaid applicant in Michigan is eligible if they meet the following criteria: 1) Income under $2,982 / month 2) Assets under $9,950 3) Require a Nursing Home Level of Care. However, it is also possible for persons over the income limit to qualify for Medicaid-funded nursing home care via MO Medicaid’s Spend-down program if they do not have enough income to pay for their nursing home care. This allows one to “spend down” their “excess” income on nursing home expenses each month to qualify.

Check out their full page for details.

https://www.medicaidplanningassistance.org/medicaid-eligibility-michigan/