Note: During the pandemic, DHS suspended the asset limit for MA eligibility for some people. The asset limit starts again when we return to regular renewals in June 2024. Read the Income and Asset Guidelines for more information.
Most people must have income below certain amounts to qualify for Minnesota Health Care Programs. Different programs use different rules to count income. It is important to tell us about all income you receive. Besides income, some people have asset limits, too. There are different asset limits for different people and programs.
To find the category that best describes you or your family, see the Income and Asset Guidelines (PDF).
Can I still get coverage if my income is more than the limit?
You may be able to get Medical Assistance (MA) coverage even if your income is more than the limit. Some people whose income is more than the limit may still get coverage using a spenddown (PDF). A spenddown lets you deduct certain medical expenses from your income. MA will pay for covered services after your income is at or below the income limit after deducting these medical expenses.
MinnesotaCare and some bases of eligibility for Medical Assistance (MA) do not have an asset test. This means a person’s assets are not counted to decide if he or she qualifies.
A basis of eligibility for MA is a grouping of people based on a set of factors. A person’s basis of eligibility determines the rules and limits to qualify for MA. People who qualify for MA under the following bases of eligibility do not have an asset test:
To find the asset limit for the category that best describes you or your family, see the Income and Asset Guidelines (PDF). If you have more assets than the limit allows, call your county or tribal office to learn about other options available to you.
If I get coverage, will you put a lien on my house?
A lien is a claim the state makes on your house to get paid back for health care costs the state paid. We may file a lien against your house if all of the following are true:
A claim may be made against your estate or your spouse's estate if you received MA on or after age 55. Ask your county or tribal office if the state or county will file a lien.