Starting January 1, 2026, anyone with more than $130,000 in assets (if single) or $195,000 (if married) will no longer qualify for Medi-Cal benefits. If you’ve qualified for Medi-Cal in the past three years, you’re at risk of losing your benefits under the new rules.
Qualifying for Medi-Cal is complicated, but with the right planning, it doesn’t have to be. If we act now, any transfers we make to help you qualify won’t count against you.
When the asset test returns in 2026, the state will implement a “lookback” period. That means they’ll begin reviewing financial transfers made starting January 1, 2026. If a transfer is considered disqualifying (and most are), the state will apply a formula to determine how long you’ll be ineligible for benefits.
But here’s the good news: I know the rules and how to work within them. I can help you make transfers, even in 2026, that carry no penalty or the shortest penalty possible.
If you’re currently on Medi-Cal, call me today. I’ll make sure you maintain your eligibility and avoid costly mistakes.
Don’t lose your benefits. Let’s protect them together.
