Major Medi-Cal Changes Coming January 1: What the New Asset Limits Mean for Your Family

Why These Changes Matter Now

Medi-Cal is undergoing significant changes beginning January 1, and many California families may be affected without realizing it. These updates influence who qualifies for benefits, how long-term care is paid for, and what steps families may need to take to stay protected. Even those currently receiving Medi-Cal may need to reassess their situation.

Understanding the New Asset Limits

Under the new rules, Medi-Cal will impose tighter limits on countable assets. For individuals, the cap will be around $130,000, while married couples will be limited to roughly $195,000. Certain assets—like your home, one vehicle, and basic personal belongings—remain exempt, but many others will count toward the limit. Families who exceed the threshold may face interruptions in benefits or need to restructure their assets strategically.

How These Rules Impact Long-Term Care

Because private-pay nursing and in-home care can cost upwards of $10,000 per month, losing Medi-Cal eligibility—even temporarily—can put enormous pressure on a family’s finances. The new asset rules raise the stakes for planning, making it essential to understand where you stand before the changes take effect.

Preparing for Stability in 2026

Reviewing your financial and estate plan before the new rules begin can help ensure continuity of care. Small adjustments now can protect eligibility, preserve assets, and prevent unnecessary stress in the coming year.

If you have questions about how these Medi-Cal changes may affect your family, we’re here to help whenever you’re ready to talk.