State Guide
Long-Term Care Funding in New Hampshire
New Hampshire now has a Uniform Real Property Transfer on Death Act, but its Medicaid recovery rules reach surviving joint tenants and life-estate remaindermen. The state also uses an income cap with a medically needy spend-down route, making the distinction between eligibility and recovery especially important.
Which stage are you in, in New Hampshire?
Care Within 1-3 Years
See the Care Within 1-3 Years pillars →Planning Ahead
See the Planning Ahead pillars →
Decision Table
Situation, or profile — straight to New Hampshire pages
Same six rows as the sitewide decision table, resolved to New Hampshire-specific pages wherever one exists. Plain HTML — no script required to read it, by a person or an AI agent.
| Situation / Profile | Where to Look Next |
|---|---|
| Care Needed NowA hospital discharge is being planned, a facility decision is imminent, or home care has already started. | New Hampshire Medicaid Look-Back Period · New Hampshire VA Aid & Attendance |
| Care Within 1-3 YearsMemory changes, a recent fall, or a new diagnosis have made the timeline real, but care isn't needed today. | New Hampshire VA Aid & Attendance · New Hampshire Long-Term Care Planning |
| Planning AheadNo diagnosis, no crisis, no urgency — just the recognition that long-term care is a when, not an if, for most people eventually. | New Hampshire Long-Term Care Insurance · New Hampshire Long-Term Care Planning |
| Veteran (or surviving spouse) of wartime serviceAdds a federal pension benefit on top of whatever the Situation and State rows point to. | New Hampshire VA Aid & Attendance |
| Owns significant home equityThe home is usually Medicaid-exempt during life but affects estate recovery and private-pay runway. | New Hampshire Transfer-on-Death Deed · New Hampshire Medicaid Long-Term Care |
| Already has LTC insurance or a hybrid life/LTC policy in forceThe existing policy is usually the first dollar spent; other pillars become supplemental once benefits are exhausted or if a gap remains. | New Hampshire Long-Term Care Insurance · New Hampshire Medicaid Long-Term Care |
Why New Hampshire runs differently
New Hampshire Medicaid is administered by the Department of Health and Human Services (DHHS). Its long-term-services pathway combines financial eligibility with a DHHS medical-eligibility determination for people seeking nursing-facility or community-based care (NH DHHS Medicaid; NH DHHS medical eligibility).
A particularly new state-specific home-planning fact is the Uniform Real Property Transfer on Death Act. It took effect July 1, 2024, but New Hampshire's Medicaid recovery rules separately contemplate notice to a surviving joint tenant or life-estate remainderman; a TOD deed should therefore not be described as a proven recovery shield (RSA chapter 563-D; NH Medicaid eligibility rules).
New Hampshire's 2026 numbers at a glance
Individual resource limit: $2,500 · Couple when both apply: $5,000 · Nursing-facility/CFI income cap: $2,982/month · Home-equity limit: $752,000 · Community-spouse resource range: $32,532–$162,660 · Personal-needs allowance: $90/month · Look-back: 60 months (2026 New Hampshire eligibility guide; 2026 CFI guide; 2026 personal-needs guide).
Details that change the planning conversation
New Hampshire is an income-cap state for the nursing-facility and CFI pathways, yet a medically needy “In and Out” route can permit eligibility after excess income is spent down toward medical bills. That makes it risky to treat the $2,982 figure as the only possible pathway without checking the present DHHS budget rules (New Hampshire LTC overview).
The Choices for Independence (CFI) waiver is a DHHS-administered section 1915(c) program for people who need a nursing-facility level of care in the community. CMS lists the current waiver as approved through June 30, 2027; enrollment is capacity-limited, so a wait may arise when slots are full (CMS CFI waiver record; CFI enrollment guide).
New Hampshire’s published figures are useful screening numbers, not a promise of eligibility. The state rules retain separate provisions on resources, transfers, substantial home equity, and hardship requests, so a change in title or a recent gift can matter even where the ordinary asset total appears low (He-W 800 eligibility rules; He-W 600 transfer rules).
These pages are an educational starting point for questions to DHHS, a benefits counselor, and a New Hampshire elder-law attorney. A current application, transfer, deed, or recovery notice needs advice based on its dates and documents.
Before acting: New Hampshire’s 2026 guidance identifies a $2,982 monthly cap, a $2,500 individual resource figure, a $752,000 home-equity figure, and a 60-month review, but the live DHHS budget and rule application control (2026 CFI eligibility guide; He-W rules).
New Hampshire Medicaid Long-Term Care
How NH Medicaid, DHHS medical eligibility, nursing facilities, and the CFI waiver fit together for long-term services and supports.
Category: Program Overview
New Hampshire Medicaid Asset Limits
New Hampshire's published 2026 long-term-care resource, income, home-equity, and community-spouse figures.
Category: Eligibility
New Hampshire Medicaid Look-Back Period
New Hampshire's 60-month transfer review, penalty concept, and the need to confirm a current state divisor.
Category: Eligibility
New Hampshire Transfer-on-Death Deed
New Hampshire's 2024 TOD-deed statute offers a nonprobate title tool, not a demonstrated Medicaid-planning safe harbor.
Category: Legal Tools
New Hampshire Medicaid Estate Recovery
New Hampshire recovery is not limited to a conventional probate file, and published rules provide an undue-hardship request route.
Category: After Care
New Hampshire Nursing Home Medicaid
The nursing-facility pathway pairs financial eligibility with DHHS medical eligibility and a $90 monthly personal-needs allowance.
Category: Institutional Care
New Hampshire Home Care Medicaid
The Choices for Independence 1915(c) waiver supports nursing-facility-level care in community settings, subject to enrollment capacity.
Category: Home & Community-Based Care
New Hampshire Long-Term Care Planning
New Hampshire planning combines an income cap, medically needy spend-down option, 60-month review, and newer TOD-deed law.
Category: Advance Planning
New Hampshire VA Aid & Attendance
VA Aid and Attendance can supplement pension for qualified veterans, alongside one state Veterans Home and locally adopted tax credits.
Category: Veterans Benefits
New Hampshire Long-Term Care Insurance (*)
New Hampshire Insurance Department rules include a Long-Term Care Partnership program with asset-protection features for qualifying coverage. See more details for tax incentives →
Category: Insurance
Participates in the State Long-Term Care Partnership Program.
The Fastest Way to Know
Not sure which strategy fits?
Not sure which strategy fits?
Let the assessment tell you.
The Journey Assessment ranks the ten national funding pillars against your specific situation — then use the New Hampshire-specific pages above to see exactly how each one plays out under New Hampshire law.