Beginning January 1, 2026, California will reinstate stricter asset limits for Long Term Care Medi-Cal eligibility—reversing more flexible rules enacted in 2024. Known as the 2026 California Medi-Cal Law Change, this shift may impact families, caregivers, and older adults across the state, especially those planning for skilled nursing care.
While the law is still evolving and guidance from California’s Department of Health Care Services (DHCS) is pending, understanding the core changes now is essential—because early action will expand your planning options.
To learn more about the upcoming law and how to protect your assets before the changes take effect, visit our full 2026 Medi-Cal Law Change resource page.
What Is the 2026 California Medi-Cal Law Change?
In 2024, California temporarily removed asset limits for non-MAGI Medi-Cal programs. But starting January 1, 2026, the state will return to traditional asset-based eligibility rules. That means:
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$130,000 asset limit for individuals
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$195,000 for couples (plus $65,000 for each additional qualifying household member)
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Reinstated estate recovery risk after death
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More restrictive planning windows and fewer last-minute strategies
The 2026 California Medi-Cal Law Change reintroduces the same rules used in 2022, affecting how seniors and their families qualify for long-term care coverage through Medi-Cal.
Who Will Be Affected by This Law Change?
This change will likely impact:
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People currently receiving Medi-Cal for skilled nursing care
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Spouses or family members managing finances for someone in care
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Individuals who had asset protection plans prepared before 2024
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Californians who may need Medi-Cal coverage in the next 1–3 years
If you fall into any of these categories, your estate or care plan may need to be reviewed. Contact us today for a free expert evaluation.
Why Early Planning Matters
The 2026 California Medi-Cal Law Change isn’t just a regulatory update—it’s a return to rules that limited access for many families. Without proper planning, people may be forced to:
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Spend down life savings to meet asset limits
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Lose Medi-Cal coverage mid-care
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Expose their estate to recovery after death
By acting now—before the rules take effect—families may be able to preserve eligibility, protect their assets, and avoid unnecessary financial stress. Legal strategies that are viable today may not be available in 2026.
To learn more and explore additional resources, visit California Advocates for Nursing Home Reform (CANHR).
Start Here: Your Next Step
At Sandoval Legacy Group, we specialize in estate planning and Medi-Cal asset protection. We’re closely monitoring this law change and helping families get ahead of it—before time runs out.
This is the first in a series of blog posts we’ll publish leading up to the change. If you or a loved one may be affected, it’s time to start preparing now.
Want to learn more about the 2026 California Medi-Cal Law Change and how to protect your eligibility?
Visit our full landing page
Free Live Webinar
Join us on September 25 at 12 PM PST to learn how this law change could impact your family.
Book Your Free Consultation and Get Ahead of the Planning
Contact Sandoval Legacy Group today to schedule your free consultation with a trusted estate planning, elder law and probate attorney.
Note: This blog post is for informational purposes only and does not constitute legal advice. For personalized guidance, please consult with a qualified attorney.