Texas · 2026
Medicaid Eligibility
Calculator
Who is applying?
Data verified 2026-06-27 · Estimates only, not legal advice
Texas Medicaid
Eligibility 2026
Verified 2026-06-27 · 2026 figures
Key Numbers at a Glance
| Income limit (single) | $2,901/mo |
| Income limit (couple, both) | $5,802/mo |
| QIT required above | $2,901/mo |
| Asset limit (single) | $2,000 |
| Asset limit (couple, both) | $3,000 |
| Spousal allowance (CSRA max) | $157,920 |
| Spouse monthly income (MMMNA) | $2,644 – $3,948/mo |
| Personal needs allowance | $60/mo |
| Home equity limit | $730,000 |
| Look-back period | 60 months |
| Penalty divisor | $7,339/mo |
| Estate recovery | Probate estate only |
Average Care Costs in Texas
| Nursing home (private room) | $7,300/mo |
| Assisted living | $5,412/mo |
| Home health aide | $4,576/mo |
Texas is an income-cap state. If gross monthly income exceeds $2,901/mo, a Qualified Income Trust (Miller Trust)
must be established before applying.
Official State Source
Texas HHS – Nursing Facility and HCBS Eligibility ↗
Eligibility rules from Medicaid Planning Assistance (2025/2026). Texas Medicaid administered by HHSC. Texas has the lowest penalty divisor in the nation.