Utah Medicaid Asset Limits

Last updated: August 21, 2026 Jurisdiction: Utah

Utah’s basic resource standards

Utah’s current resource rule sets a $2,000 limit for a one-person aged, blind, or disabled Medicaid household and $3,000 for a two-person household. The same rule specifically states a $2,000 resource limit for an institutionalized individual. These are starting figures; the rule also addresses availability, exclusions, trust rules, and spouse provisions, so an account or home should not be classified from the dollar limit alone (Utah Administrative Rule R414-305).

A resource is generally available when the person owns it or has the legal right to sell or otherwise dispose of it for the person’s benefit. Utah’s rule recognizes that a legal impediment can prevent counting an otherwise available resource until it becomes available, but it also requires reasonable steps to make a resource available unless those efforts would not work or cost more than the resource is worth (Utah Administrative Rule R414-305).

Utah is medically needy, not a conventional income-cap state

The Utah rule says the state covers nursing-facility services under its medically needy coverage group. It therefore says that creating a Qualified Income Trust, also called a Miller Trust, is treated as an asset transfer for Medicaid qualification whether the person seeks nursing-facility services or HCBS waiver services. The located primary rule does not publish a Utah long-term-care income-cap figure because this is not a routine Utah QIT pathway (Utah qualified-income-trust rule).

Home treatment has both an exclusion and an equity component. Utah excludes a principal home or life estate when the person intends to return, a spouse lives there, a qualifying child lives there, or a reliant relative lives there, but the rule describes a $500,000 home-equity standard or an increased amount allowed under federal law. CMS’s 2026 bulletin lists the federal home-equity range as $752,000 to $1,130,000; the located Utah rule does not independently state which current 2026 point Utah applies, so confirm it with eligibility staff before using a home-equity figure (Utah home and life-estate rule; CMS 2026 standards bulletin).

Spouse protections require an assessment

Utah applies the federal spousal-impoverishment statute to assess joint resources and the community spouse’s share. Its rule describes the assessed share as one-half of the counted resources, subject to the federal minimum and maximum standards, and permits an assessment without requiring an application or fee. CMS lists the 2026 federal resource range as $32,532 to $162,660; actual protection depends on the assessment date and facts (Utah community-spouse rule; CMS 2026 standards bulletin).

Core Utah figures: $2,000 for an institutionalized individual and $3,000 for a basic two-person ABD household. Married long-term-care cases require the separate community-spouse assessment (Utah Administrative Rule R414-305).

For broader concepts, see Medicaid (Baseline). Obtain a current case-specific resource assessment before selling, retitling, or giving away property.

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Utah’s basic resource standards

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