Medicaid Planning
Medicaid HCBS Waivers Explained (2026)
1915(c) waivers, assisted living coverage limits, and how HCBS differs from nursing home Medicaid.
Rachel founded AllyKin after navigating assisted living placement for her own family in Texas. She leads editorial on Medicaid, CMS ratings, and state inspection guides — email-first matching with no call spam.
HCBS waivers let states cover long-term care services in home and community settings. Unlike nursing home Medicaid, room and board in assisted living is usually still private pay — waivers cover care services only.
Major waiver types
- Assisted living / residential care waivers
- PACE programs (all-inclusive)
- Home-based personal care waivers
- Memory care specialized waivers in some states
Find your state program
- 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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