For people 65 and older, through June 30, 2027 the most you can own is $130,000 for one person, plus $65,000 for every extra person in the household (up to 10). Starting July 1, 2027, it drops to $21,000 for one person and $31,000 for two.
Why it matters for care
Many of the rungs below a nursing home run through Medi-Cal: IHSS, adult day health care, PACE with no premium, the Medi-Cal plan's Community Supports, and the assisted living waiver. If a parent might need care in the next few years, the window with the higher limit is worth knowing about.
Nursing homes and gifts
If someone moves into a nursing home, Medi-Cal looks at assets they gave away in the 30 months before they entered.
Apply in San Diego
County Medi-Cal: 1-866-262-9881. On Medicare too? Medicare Extra Help and the Medi-Cal route.
Do it with PJ
The calls, the forms, the logins and the errands in between: PJ does the legwork with your family in Solana Beach, Encinitas, Cardiff and Del Mar. He doesn't give medical, legal or benefits advice; the programs decide. Plans start as low as $25.
More: the care ladder · every senior waitlist · senior benefits checkup.
Sources: DHCS, asset limit FAQ · DHCS, ACWDL 26-03 · DHCS, FY 2026-27 budget highlights. Checked October 6, 2026.
Need a human?
This page is built every morning from public data by SideGuy, run by PJ, a local in Solana Beach. If something looks off, or you want a hand with your plans, text PJ at 858-461-8054. A real person answers.
Local help, free to read: make your fix plan · senior benefits checkup · lower your SDG&E bill · Medicare Extra Help · the next 90 days. Plans start as low as $25.
Questions people ask
What is the Medi-Cal asset limit in 2026?
For people 65+: $130,000 for one person plus $65,000 for each additional household member, through June 30, 2027 (DHCS).
When does the Medi-Cal asset limit go down?
Starting July 1, 2027, the limit is $21,000 for one person and $31,000 for two (DHCS).
Know someone who needs this?
Something changed here? Text PJ and we'll update this page.
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