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Texas Medicaid Eligibility Updates
Medicaid eligibility rules vary depending on marital status and whether one or both spouses require nursing home care. The table below provides a high-level overview of the income limits, asset thresholds, and key considerations for the most common Medicaid planning situations under Texas rules for 2026. Because eligibility often depends on how income and assets are structured, this information is meant to serve as a general guide rather than a final determination.
| Situation | Income Cap | Resource Limit | Key Notes |
|---|---|---|---|
| Single Individual Entering a Nursing Home | $2,982 per month | $2,000 total countable assets | If income exceeds the cap, a Qualified Income Trust (Miller Trust) may be required. Certain assets such as a primary residence, one vehicle, and personal belongings may be exempt. |
| Married Couple – One Spouse in Nursing Home | $2,982 per month (applicant spouse) | $2,000 for applicant spouse; Community spouse may retain between $32,532 and $162,660 | The spouse remaining at home may also be entitled to a Monthly Maintenance Needs Allowance of up to $4,066.50. Proper planning can protect assets and allocate income appropriately. |
| Married Couple – Both Spouses in Nursing Home | $2,982 per month per spouse | $3,000 combined countable assets | Income caps apply individually to each spouse. If either spouse exceeds the income limit, a Miller Trust may be required for that spouse. |
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