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Kentucky Medicaid Eligibility Calculator

See how your income, assets, and home compare to Kentucky’s 2026 Medicaid limits for nursing home care, in-home waiver care, and Regular (ABD) Medicaid. It takes about a minute and no personal information is required.

Start the Free Calculator

Check Your Kentucky Medicaid Eligibility

Answer a few quick questions about income, assets, and your home. Your results appear instantly for all three Kentucky programs, and nothing is sent to us unless you choose to share them at the end.

Kentucky Medicaid Eligibility Calculator 2026

Answer a few quick questions to see how your situation compares to Kentucky’s 2026 Medicaid limits for nursing home care, in-home (HCB Waiver) care, and Regular Medicaid for the aged, blind and disabled. It takes about a minute, and nothing is sent to us unless you choose to share your results at the end.

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Where should we send your results?

Share your details and our Kentucky elder law team will review your snapshot and follow up with next steps. No cost, no obligation.

Takes about a minute. No personal information is required to see your results.

How the Calculator Works

1

Answer a Few Questions

Care type, marital status, monthly income, countable assets, and your home. That is it, and no documents are needed.

2

See Your 2026 Snapshot

Instant results compare you to the current limits for Nursing Home Medicaid, the HCB Waiver, and Regular (ABD) Medicaid, and they flag exactly where planning could help.

3

Talk It Through, Free

Share your results if you like, and our Kentucky elder law team will review your snapshot and follow up with next steps. No cost, no obligation.

The 2026 Numbers Behind the Calculator

These are the key figures in effect for 2026. Income and spousal figures adjust each January and July, and the calculator is kept current with them.

Income: the Nursing Home and Waiver cap is $2,982 per month, or $5,964 for couples who are both applying. A Miller Trust can cure being over it.

Assets: $2,000 for a single applicant, or $4,000 for couples who are both applying. The home, one vehicle, and retirement accounts are generally exempt in Kentucky.

Spousal protection: the at-home spouse can keep up to $162,660 in assets and between $2,705 and $4,066.50 per month in income.

scott-collins talking to elderly client

Being Over a Limit Is Where Planning Starts

Eligibility is not a cliff, it is a calculation. If the calculator shows income above the $2,982 cap, Kentucky law allows a Qualified Income Trust (Miller Trust) that redirects the excess so you can still qualify.

Countable assets above the limit rarely have to be spent on care. Spousal protections, exempt-asset strategies, and careful timing routinely preserve much of what families have built.

One caution: Kentucky reviews the last 60 months of gifts and transfers, with a 2026 penalty divisor of $325.41 per day. If anything has been given away, talk to us before you apply.

More Ways We Can Help

Related ways we help Kentucky families protect what they’ve earned.

Get a Free Review of Your Results

Bring your snapshot to a free, no-pressure consultation. We will confirm the numbers, explain your options, and walk you through what comes next for your family.

Schedule a Consultation(859) 544-6012

This calculator provides an educational estimate based on published 2026 Kentucky and federal Medicaid figures. It is not legal advice, results are not a determination of eligibility, and using it does not create an attorney-client relationship.