Medi-Cal Asset Limits Return January 1, 2026
Act Now to Protect Your Eligibility
Gifts made before December 31, 2025
Won’t Count Toward the New 3-year Look-back Rule.
Don't Wait Until December 31st!
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What’s Changing on January 1, 2026?
Medi-Cal will reinstate the “Asset Test,” reducing limits back to $130,000 for individuals and $195,000 for couples — plus exempt assets.
That means any gifts or transfers made after January 1, 2026 may trigger a three-year look-back period, delaying or disqualifying your eligibility for Long-Term Care Medi-Cal.
The good news: there’s still time to plan. You can legally spend down or transfer assets now — if you act before the deadline.
How Elder Law Services Can Help You
Protect Your Home & Assets
Use legal “spend-down” and transfer strategies that comply with Medi-Cal rules.
Qualify or Re-Qualify with Confidence
Ensure your eligibility before the 2026 changes take effect.
Work Directly with an Attorney
Our experienced elder law team will guide you step-by-step through the entire process.
Meet Attorney Judd Matsunaga
Founder of Elder Law Services of California, Judd Matsunaga has helped thousands of seniors and families navigate Medi-Cal eligibility, estate planning, and long-term care challenges for over 30 years.
His mission is to protect what matters most — your home, your savings, and your peace of mind.
What Our Clients Say
“They explained everything clearly and helped me keep my home.” — M.L., Pasadena
“The team moved fast so my mother qualified before the deadline.” — S.R., San Jose
“I highly recommend Elder Law California for Medi-Cal planning.” — T.K., Irvine
Protect Your Eligibility Before the Deadline.
Don’t Wait Until December 31, 2025