Topic hub
Medicaid & Long-Term Care Funding.
Most long-term care in the United States is paid for by Medicaid — but Medicaid is run by states, and its rules vary dramatically across state lines. This is where families face the most expensive decisions and the most punishing surprises.
What this pillar covers.
Eligibility & the asset test
Income limits, countable assets, exempt resources, and the spend-down process.
The five-year look-back
What counts as a transfer, what doesn’t, and why gifting equity rarely works the way families hope.
MMMNA and spousal protections
When one spouse needs care and the other doesn’t — how income and assets are split.
Home- and community-based waivers
PACE, HCBS, and state-specific programs that pay for care outside a nursing facility.
Medicaid varies by state.
We publish a medicaid guide for every state where rules meaningfully differ from the federal default. Click your state to read its variant.
Tools for medicaid.
Calculators and decision engines built for this pillar.