Colorado Medicaid Asset Limits

Home equity and the community spouse

For 2026, HCPF’s memo lists a $1,130,000 home-equity maximum, effective January 1, 2026. A home’s treatment for initial eligibility is not the same issue as its treatment in estate recovery, and equity calculations can depend on title, liens, occupancy, and the applicable exceptions. The current number is a reason to use the 2026 policy rather than a consumer article using an earlier federal range (HCPF 2026 COLA memo).

The same 2026 HCPF memo lists a maximum Community Spouse Resource Allowance, or CSRA, of $162,660. The rule describes a CSRA as an amount of resources the community spouse may retain, so it is not simply the basic $3,000 couple limit. The calculation is date-sensitive and depends on the married couple’s resources and the beginning of the institutionalized spouse’s continuous period of institutionalization; HCPF’s current eligibility rule should be used for the individual assessment (HCPF 2026 COLA memo; HCPF long-term-care eligibility rule).

Use a current, Colorado-specific analysis

Do not confuse a Medicare Savings Program resource chart with the long-term-care Medicaid rules. HCPF publishes separate Medicare Savings Program limits, while the long-term-care rules add income-cap, transfer, spouse, home, trust, and patient-payment questions. The correct answer may change if the person seeks a waiver instead of a nursing facility, has a spouse at home, or receives income above $2,982 (HCPF Medicare Savings Programs; HCPF Income Trust instructions).

For the wider framework, see Medicaid (Baseline). A Colorado professional should apply the live HCPF rule to actual account statements, title documents, and the correct assessment date before any asset is sold, gifted, or retitled.