Medicaid ABD / Spenddown
Medicaid for people 65+, blind or disabled (non-MAGI), incl. Excess Income/Spenddown
In short
Full Medicaid, including long-term care; people over the limit can 'spend down' excess income on medical bills or pay it monthly ('pay-in program'). Age 65+, certified blind or disabled, or on Medicare.
- What you get
- Full Medicaid, including long-term care; people over the limit can 'spend down' excess income on medical bills or pay it monthly ('pay-in program').
- Who qualifies
- Age 65+, certified blind or disabled, or on Medicare.
- Income limit (2026)
- About $1,836/mo for 1, $2,489 for 2; resources about $33,038 (1) / $44,796 (2) per GIS 26 MA/05 (revised Feb 2026). Verify against GIS.
- Papers to gather
- ID, age proof, SSN, Medicare card, income proof, bank statements (resources), proof of address, immigration documents, disability evidence if under 65.
- Renewal
- Annual (mail renewal form from HRA/DSS).
- 2026 update
- active; 2026 levels raised Feb 2026. H.R.1 home-equity cap change from 2028 (unverified detail).
Some details here could not be confirmed yet. We check every rule with the agency before you apply.
More in this category
Disability · Top pick MBI-WPD Medicaid Buy-In for Working People with Disabilities Lets people with disabilities work and keep Medicaid. Almost nobody knows it exists. Complex · $119 Disability ABLE NY ABLE NY (Achieving a Better Life Experience accounts) Tax-advantaged savings account that doesn't count toward SSI/Medicaid asset limits (up to $100k for SSI). Complex · $119 Disability Access to Home Access to Home (home accessibility modifications) & RESTORE Grants for ramps, bathroom mods, stair lifts (Access to Home); emergency home repairs for seniors 60+ (RESTORE). Complex · $119