Medicaid Planning
Community Spouse Resource Allowance (2026)
How much a healthy spouse can keep when their partner applies for Medicaid nursing home care.
6 min readUpdated 2026-06-20
Spousal impoverishment rules protect the community spouse from having to spend down all joint assets. The community spouse resource allowance (CSRA) sets how much can be retained.
2026 benchmarks
- Federal minimum CSRA: updated annually
- Federal maximum CSRA: updated annually
- States may elect higher minimums within federal rules
- Community spouse monthly income allowance may also apply
State-specific spousal rules
- Texas
- Florida
- California
- New York
- Pennsylvania
- Ohio
- Illinois
- Georgia
- Arizona
- North Carolina
- Michigan
- New Jersey
- Washington
- Massachusetts
- Virginia
- Colorado
- Minnesota
- Wisconsin
- Missouri
- Tennessee
- South Carolina
- Indiana
- Maryland
- Alabama
- Alaska
- Arkansas
- Connecticut
- Delaware
- Hawaii
- Idaho
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Mississippi
- Montana
- Nebraska
- New Hampshire
- North Dakota
- New Mexico
- Nevada
- Oklahoma
- Oregon
- Rhode Island
- South Dakota
- Utah
- Vermont
- West Virginia
- Wyoming
- District of Columbia
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