How the Updated Income and Asset Limits Impact Your Healthcare Eligibility
Medicaid is a vital resource for millions of Americans, particularly for the Disabled, Aged, and Blind (DAB) population. Each year, eligibility thresholds change to reflect economic conditions, cost-of-living adjustments, and healthcare inflation. Staying informed about these updates is essential for those who rely on Medicaid or are planning to apply.
Ed Friedman, CEO of Stay At Home Solutions, is a trusted authority in Medicaid planning. His insights and expertise help individuals and families navigate the complexities of Medicaid eligibility and secure the care they need. As 2025 begins, Friedman provides a crucial update on the current Medicaid income and asset limits in New York and forecasts adjustments that are expected in the coming weeks.
Current Medicaid Income and Asset Limits (2025)
As of now, the financial eligibility criteria for Medicaid in New York remain unchanged from last year:
- Individual monthly income limit: $1,752 (includes the $20 DAB disregard)
- Couple monthly income limit: $2,371 (includes the $20 DAB disregard)
- Individual asset limit: $31,175
- Couple asset limit: $42,312
However, based on the newly released 2025 Federal Poverty Guidelines, experts anticipate that these numbers will be adjusted soon to reflect inflation and cost-of-living increases.
Projected Medicaid Adjustments for 2025
Although New York State has not officially announced the updated figures, Friedman and his team at Stay At Home Solutions predict the following increases based on historical trends and federal adjustments:
- Individual monthly income limit: $1,820 (includes the $20 DAB disregard)
- Couple monthly income limit: $2,452 (includes the $20 DAB disregard)
- Individual asset limit: $32,395
- Couple asset limit: $43,780
“These changes are expected to provide much-needed relief to individuals and couples who are right on the edge of Medicaid eligibility,” explains Friedman. “For many, this adjustment could mean the difference between qualifying for essential healthcare coverage or struggling with overwhelming medical costs.”
How These Changes Impact You
The anticipated adjustments in Medicaid thresholds can open doors for individuals who previously fell just outside the eligibility limits.
For instance, Robert L., a 68-year-old retiree with a modest pension, was ineligible under the previous income limit. With the projected 2025 increase, he could now qualify for Medicaid, significantly reducing his healthcare expenses.
Similarly, Diane and Michael P., a couple in their early 70s with modest savings, may now qualify under the new asset limits, allowing them to access long-term care services without depleting their financial resources.
“These updates are more than just numbers on a page,” Friedman emphasizes. “They directly impact people’s ability to access affordable healthcare, maintain financial stability, and plan for the future.”
Why You Should Plan Ahead
Medicaid eligibility isn’t just about meeting income and asset limits—it also requires strategic planning. Many individuals mistakenly assume they won’t qualify or wait too long to explore their options. According to Friedman, early planning is key to maximizing benefits and avoiding unnecessary financial burdens.
“Many people assume Medicaid is only for those with very low incomes,” Friedman explains. “But with the right planning, middle-class families can also qualify—especially when it comes to long-term care services.”
Some of the most effective Medicaid planning strategies include:
- Asset structuring to ensure compliance with Medicaid limits
- Understanding spend-down rules for medical expenses
- Exploring legal tools like trusts to protect assets while maintaining eligibility
The complexities of Medicaid planning make professional guidance invaluable. A misstep—such as misreporting income, incorrectly transferring assets, or misunderstanding eligibility criteria—can lead to unnecessary delays or denials of coverage.
Get Expert Guidance from the Industry Leader
With Medicaid eligibility rules evolving, it’s more important than ever to have an expert by your side. At Stay At Home Solutions, Ed Friedman and his team specialize in helping individuals navigate Medicaid’s complexities and maximize their benefits.
“We take the stress and uncertainty out of the process,” Friedman says. “Our goal is to ensure that every client understands their options and takes the right steps to secure their healthcare coverage.”
To make Medicaid planning easier, Stay At Home Solutions offers free consultations, allowing individuals to receive expert advice tailored to their needs.
Take Action Today – Secure Your Future
Medicaid planning requires foresight and expert knowledge. Whether you’re currently in need of coverage or preparing for the future, now is the time to act.
Schedule your free consultation with Ed Friedman and his team today by clicking here.
With the right approach, you can secure the healthcare benefits you deserve while protecting your financial well-being. Don’t wait—Stay At Home Solutions is ready to guide you through the process with expertise and care.