Connecticut’s Medicaid program is called HUSKY Health. It helps low-income people get health care. This includes doctor visits, hospital care, and prescriptions.
The state runs it through the Department of Social Services. Connecticut expanded Medicaid under the Affordable Care Act in 2014.
This lets more adults get coverage based on income alone. The program focuses on health equity. It aims to reduce gaps in care for all groups.
Rules change each year. This article uses 2025 limits. We will update it after the official January 2026 releases from the state. It covers long-term care differences, too.
This guide explains:
- Who qualifies for Medicaid in Connecticut in 2026
- Income limits for different categories
- Adult eligibility under Medicaid expansion
- Long-term care Medicaid rules
- Asset limits for seniors and disabled adults
- Planning tools like Miller Trusts
- How to apply and avoid delays
2026 Long-Term Care Medicaid Income and Asset Limits in Connecticut
Long-term care Medicaid has its own money rules. These differ from standard HUSKY Health. Standard coverage uses simple income checks.
Long-term care looks at both income and assets. It helps pay for nursing homes or home services when people need daily help.
Core limits for 2026 use 2025 numbers. A single person’s monthly income cap is $2,829. This is 300 percent of the federal benefit rate. Asset limit is $1,600 for a single person.
For couples, assets are $2,400 if both apply. If one applies, the healthy spouse can keep up to $162,660 under spousal rules.
These apply to nursing home Medicaid. They also cover Home and Community-Based Services. This includes help at home like personal care or meal delivery.
What Counts as Income for Connecticut Medicaid?
Income includes Social Security payments. It counts pensions from past jobs. VA benefits for veterans count too. IRA withdrawals are income. Rental money from the property is included.
For standard HUSKY Health, the state uses tax rules called MAGI. This ignores some items like child support. For long-term care, almost all income counts. The state checks everything to set your share of costs.
What If Income Is Too High?
Connecticut has an income cap for long-term care. If your monthly income tops $2,829, you may not qualify. You can use a Qualified Income Trust. This is also called a Miller Trust.
Put extra income in the trust each month. The trust pays for your care or bills. This lowers your counted income. Miller Trusts help with income only. They do not hide assets. After you pass away, the state may get leftover money.
Connecticut Medicaid Asset Rules
Countable assets include cash in hand. Bank accounts count. Investments like stocks are included. Non-exempt property such as extra land counts.
Exempt assets are your main home. Equity limit is $1,130,000 if no family lives there. One vehicle is exempt. Personal belongings like clothes do not count.
Watch for penalties. Connecticut looks back 60 months for asset transfers. Giving away money or property can delay your coverage. Get legal help to avoid mistakes.
Spousal Protections Under Connecticut Medicaid
Rules protect the healthy spouse. The Community Spouse Resource Allowance lets them keep assets. This can be up to $162,660.
The Monthly Maintenance Needs Allowance helps with living costs. It ranges from $2,644 to $4,067 per month. This depends on needs like rent.
The goal is to stop poverty for the at-home spouse. Income from the person in care can shift to the spouse. This keeps families stable.
Why Long-Term Care Medicaid Is Different
Long-term care needs asset testing. Standard coverage often skips this. The income cap is higher at $2,829 monthly. You can use Miller Trusts to qualify.
These rules stand apart from expansion coverage. Expansion helps working adults without strict asset checks.
What Is Medicaid and How It Works in Connecticut?
HUSKY Health is Connecticut’s Medicaid. It covers doctor visits and hospital stays. You get prescriptions and preventive care. Mental health services are included.
Children get dental and vision care. Adults get emergency help. Expansion adds more for low-income adults. Connecticut follows federal rules. But it adds state touches like focus on equity. Most people pick a managed care plan.
Who Qualifies for Connecticut Medicaid in 2026?
Connecticut covers many groups. Adults aged 19 to 64 qualify under expansion. This includes those without kids. Children from low-income families get in.
Pregnant women have higher income limits. Seniors 65 and older qualify with low income. People with disabilities are covered. Those needing long-term care fit too.
Childless adults are eligible under Medicaid expansion in Connecticut. Income must be low. No asset test for most adults.
Income Rules Depend on Your Category
Income rules change by group. Adults in expansion can earn up to higher limits. This is about 138 percent of the poverty level.
Children and pregnant women have the highest thresholds. Seniors and disabled follow long-term care caps.
Key takeaway: In Connecticut, income eligibility depends on category. It is not just a set threshold. Apply to see your fit.
Connecticut Medicaid Income Limits (2025 Table – 2026 Update Pending)
| Category | Household Size | Monthly Income Limit (2025) |
| Adult (Expansion) | 1 | $1,800 |
| Adult (Expansion) | 2 | $2,432 |
| Adult (Expansion) | 3 | $3,065 |
| Children | 1 | $2,627 |
| Parents/Caretakers | 2 | $2,626 |
| Pregnant Women | 2 | $4,633 |
| Seniors / Disabled (LTC) | 1 | $2,829 |
These are the 2025 values. We will update this article once official 2026 numbers are released by Connecticut Medicaid.
Does Connecticut Medicaid Count Assets?
No asset test for most adults under expansion. Children and pregnant women skip it too.
Seniors and disabled face asset checks. Limits are $1,600 for singles. Exemptions include your primary home, one car, and personal belongings.
Medicaid Eligibility for Seniors and Long-Term Care in Connecticut (2026)
Seniors need medical proof for long-term care. This means help with daily tasks like eating or bathing.
Nursing home care is one option. Home and Community-Based Services let you stay home. Spend-down helps if income is over. Pay medical bills to lower your counted income.
Apply through local Department of Social Services offices. Or use the state’s online system.
Can You Get Connecticut Medicaid If You Are Working?
Yes. Expansion covers working adults with low income. Part-time or gig jobs are fine if pay is under limits.
Children face no job rules. Work does not disqualify them.
How to Apply for Medicaid in Connecticut (Step-by-Step)
Start online at connect.ct.gov. Check if you qualify first.
Gather ID like a driver’s license. Bring income proof such as pay stubs. Show residency with a utility bill.
Apply online at accesshealthct.com for some parts. Or mail a paper form. Visit local offices for help.
What Happens After You Apply?
The state reviews your info. They may ask for more papers.
You get a decision by mail or online. If approved, pick a plan.
How Long Does Connecticut Medicaid Approval Take?
Standard cases take about 45 days. This covers most adults and families.
Disability or long-term care cases can take up to 90 days. Missing documents cause common delays. High volume slows things too.
Common Reasons Connecticut Medicaid Applications Are Denied
Income too high for your group leads to denial. Wrong household size is a big issue.
Missing documents block approval. Assets over limits hurt long-term care applicants.
Medicaid vs CHIP in Connecticut (2026)
Medicaid is HUSKY A, C, and D. It covers low-income adults and children. No premiums for most.
CHIP is HUSKY B. It helps children in higher-income homes. Costs are low with some premiums.
Apply online for both at connect.ct.gov. The state checks which fits you.
Connecticut Medicaid Frequently Asked Questions
Can adults without kids qualify for Medicaid in Connecticut 2026?
Yes, under expansion. If your income is up to 138 percent of the poverty level, you can get coverage. No need for children or disability.
What are the income limits for Medicaid expansion adults in Connecticut 2026?
Limits are about $1,800 monthly for one person. They rise with family size. Check the state’s chart for your group.
Do seniors have asset limits for Connecticut Medicaid 2026?
Yes, $1,600 for singles in long-term care. Exempt items like your home do not count. Rules protect spouses.
What is a Miller Trust in Connecticut Medicaid?
It helps when income is over the cap for long-term care. Put extra money in the trust. This lowers your counted income.
How does household size affect Medicaid eligibility in Connecticut?
Bigger families have higher income caps.
What about pregnant women eligibility in Connecticut 2026?
They qualify up to 258 percent of the poverty level. Coverage lasts through pregnancy and after birth. No asset test.
Is there an asset test for regular HUSKY adults?
No, for most expansion adults. Only seniors and disabled in long-term care face it. Apply without worry.
What if denied for Connecticut Medicaid 2026?
Appeal within 90 days. Get free help from advocates. Fix issues like missing papers and try again.
Final Takeaways
Connecticut’s HUSKY Health makes health care reachable for many. Expansion covers adults with low income, even without kids. Children and pregnant women get higher limits. Seniors and those with disabilities use long-term care rules. These include asset caps and Miller Trusts for extra income.
Household size matters. It boosts your income cap. No asset test for most groups. But long-term care checks everything. Apply online or in person. It takes 45 to 90 days. Gather your papers to speed it up.
Rules update each year. Use 2025 limits here until 2026 numbers come out. Coverage is not promised. But the state aims for equity. If close to limits, apply anyway. Help is there. Stay calm and check official sites like connect.ct.gov. You can get the care you need.
