Alabama Medicaid Asset Limits

Married applicants need a separate calculation

When both spouses apply for institutional or waiver coverage, a current Alabama eligibility guide lists $2,982 per month for each spouse and $2,000 in assets for each spouse, or $4,000 total. When only one spouse applies, that guide lists the applicant at $2,000 and the nonapplicant community spouse at up to $162,660; a caseworker and current policy should confirm the exact ownership and allocation calculation (2026 Alabama Medicaid eligibility guide).

The reported 2026 Community Spouse Resource Allowance range is $32,532 to $162,660. The cited Alabama resource explains the allowance as the greater of the minimum protected amount or one-half of the couple's combined countable resources, subject to the maximum; it should not be confused with the community spouse's separate monthly maintenance-income allowance (Alabama state Medicaid information).

Home equity and income above the cap

Alabama's eligibility regulation ties long-term-care eligibility to the home-equity limit published annually by HHS rather than printing a fixed number in the cited rule. A current state-by-state 2026 resource lists Alabama at $1,130,000, but because the Agency rule itself directs readers to the annually published federal amount, an applicant near that level should obtain written confirmation before relying on it (Alabama Medicaid Chapter 25 eligibility rule; 2026 home-equity limits by state).

Alabama is an income-cap state rather than a standard medical-spend-down state for this pathway. The Agency's QIT packet says income can be disregarded only when it is placed in a qualifying income trust meeting its instructions; this is why a person over the $2,982 cap should ask about a QIT before assuming unpaid medical bills solve the income issue (Alabama Medicaid Form 262 QIT packet).