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.
Planning in an income-cap state with a spend-down route
New Hampshire’s 2026 nursing-facility and CFI income cap is commonly published as $2,982 per month for one applicant. The state also has a medically needy “In and Out” option described as allowing eligibility after excess income is spent down toward medical bills, so planning should distinguish the institutional or waiver cap from the separate medically needy route (NH long-term-care income overview; 2026 NH eligibility guide).
Resource planning begins with the published $2,500 individual limit, not with a blanket assumption that every asset must be spent. Exclusions, accessibility, marital status, debt, ownership, and the community-spouse rules must be reviewed under the actual state rules (2026 NH eligibility guide; He-W resource rules).
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