Beginning January 1, 2026, the Medi-Cal asset test is coming back. This means if you have more than $130,000 in assets (if single) or $195,000 (if married), you may no longer qualify for Medi-Cal benefits.
If you’ve qualified for Medi-Cal at any time since 2024, your benefits could be at risk unless you plan ahead. Here’s why:
The State will begin a “lookback” period starting January 1, 2026.
Any transfers made after that date may trigger a penalty period where you’re disqualified from benefits.
Most transfers do count, but there are ways to legally protect your assets and minimize or avoid penalties.
The good news? Transfers made before 2026 won’t count toward the lookback, so if we plan now, we can protect your benefits and avoid costly delays.
If you or a loved one are currently receiving Medi-Cal—or expect to need it soon—now is the time to act. I know the rules and can help you stay eligible and protected.
Call today to secure your benefits before the asset test returns.
