A significant change is on the horizon for Medicaid eligibility and home equity. Starting January 1, 2028, the federal home-equity ceiling for principal homes on non-agricultural lots will shift from $1.13 million to a firm $1 million cap.
As someone who’s spent decades helping Texans navigate health insurance and related policies, I know how these regulatory shifts can catch families off guard—especially when it comes to planning for long-term care or Medicaid qualification. My approach has always been to break down complex rules, so you can see clearly how they might affect your options.
This new federal cap is something to keep in mind if you’re thinking about protecting your assets or preparing for future care needs. My goal remains the same: help you understand these changes so you can make choices with confidence and avoid surprises down the road.