Medi-Cal provides health coverage for low‑income Californians including doctor visits, hospital stays, and long‑term care. Starting January 1, 2026, an asset test returns for Medi‑Cal eligibility with limits of $130,000 for individuals and $195,000 for couples; a primary residence and one vehicle are excluded while other assets like cash or additional property count. Exceeding the limits may require spending down assets before qualifying, potentially eroding savings intended for retirement or family support. Long‑term care costs can be substantial, making advance planning important. Estate planning strategies can protect assets and preserve access to Medi‑Cal benefits without sacrificing financial security.
Medi-Cal is California's version of Medicaid. It's a program that helps people with lower incomes cover healthcare costs-like trips to the doctor, hospital stays, or even long-term care. It's a big deal for anyone who needs support to afford medical expenses as they get older. But heads up: some changes are coming to Medi-Cal that could affect you or your loved ones, so let's talk about what's happening and how you can get ready.
As of January 1, 2026, California will bring back the "asset test" for Medi-Cal. This means they'll check what you own-think savings, a second car, or an extra property-to see if you qualify. The limits are set at $130,000 for single folks and $195,000 for couples. Your main home and one car don't count, but other stuff like cash or a vacation home does.
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