The cost of waiting
13.7 million*Americans age 85+ by 2040Census projection
≈ $179,000*Shared nursing-home room in 2040Care Ledger planning scenario
When the savings run out, Medicaid may not begin.
A transfer during Medicaid’s look-back period can leave families responsible for months of nursing-home bills. The Care Ledger shows how each state calculates that gap.
Medicaid transfer-penalty divisor, by state
The figure each state divides a gift by to decide how many months Medicaid will not pay for nursing home care. Every figure below is read from that state's own published document, and links to it.
A gift here means anything given away or sold for less than it was worth — money, a house, a car, help with someone else’s deposit. What counts, and what does not.
531 records across 51 jurisdictions. Last rebuilt 2026-09-03.
| State | Divisor | In force since | Source |
|---|---|---|---|
| Alaska | no statewide figure exists — the state divides by the rate of the facility the resident lives in | — | — |
| Arizona | $8,132 to $8,667 a month, by region — 4 regions, from All other counties to Pinal County | 2025-10-01 | state document |
| Arkansas | $9,110 a month | 2026-04-01 | state document |
| California | $14,440 a month | 2026-01-01 | state document |
| Colorado | $10,814 a month | 2026-01-01 | state document |
| Connecticut | $15,992 a month | 2026-07-01 | state document |
| Delaware | $405.83 a day | 2025-01-01 | state document |
| Florida | $10,438 a month | 2024-01-01 | state document |
| Georgia | $11,122 a month | 2026-04-01 | state document |
| Illinois | no statewide figure exists — the state divides by the rate of the facility the resident lives in | — | — |
| Indiana | $8,027 a month | 2026-07-01 | state document |
| Iowa | $323.65 a day | 2026-07-01 | state document |
| Kansas | $308.25 a day | 2026-07-01 | state document |
| Kentucky | $325.41 a day | 2026-01-01 | state document |
| Louisiana | $7,200 a month | 2024-09-01 | state document |
| Maine | $13,339 a month | 2026-01-01 | state document |
| Maryland | $12,501 a month | 2025-07-01 | state document |
| Massachusetts | $450.00 a day | 2025-11-01 | state document |
| Michigan | $12,216 a month | 2026-01-01 | state document |
| Minnesota | $11,869 a month | 2026-07-01 | state document |
| Mississippi | $9,430 a month | 2026-07-01 | state document |
| Missouri | $7,909 a month | 2025-04-01 | state document |
| Montana | $322.72 a day | 2025-07-01 | state document |
| Nebraska | no statewide figure exists — the state divides by the rate of the facility the resident lives in | — | — |
| Nevada | $9,949 a month | 2024-04-01 | state document |
| New Hampshire | $423.82 a day | 2026-07-01 | state document |
| New Jersey | $420.67 a day | 2026-04-01 | state document |
| New Mexico | $8,947 a month | 2025-01-01 | state document |
| New York | $13,765 to $15,675 a month, by region — 7 regions, from Western to Rochester | 2026-01-01 | state document |
| North Carolina | $11,904 a month | 2025-01-01 | state document |
| North Dakota | $437.90 a day | 2026-01-01 | state document |
| Ohio | $7,787 a month | 2024-09-01 | state document |
| Oklahoma | $251.07 a day | 2026-07-01 | state document |
| Oregon | $14,585 a month | 2024-10-01 | state document |
| Pennsylvania | $421.20 a day | 2026-01-01 | state document |
| Rhode Island | $12,106 a month | 2026-07-27 | state document |
| South Carolina | $9,759 a month | 2026-01-01 | state document |
| Tennessee | $295.87 a day | 2026-01-01 | state document |
| Texas | $262.37 a day | 2025-09-01 | state document |
| Utah | $7,344 a month | 2026-07-01 | state document |
| Virginia | $7,324 to $9,703 a month, by region — 2 regions, from All other localities to Northern Virginia | 2025-01-01 | state document |
| Washington | $462.00 a day | 2025-10-01 | state document |
| West Virginia | $11,903 a month | 2024-10-01 | state document |
| Wisconsin | $352.06 a day | 2026-01-01 | state document |
| Wyoming | $10,114 a month | 2026-01-01 | state document |
| Alabama | no figure published yet | — | — |
| District of Columbia | no figure published yet | — | — |
| Hawaii | no figure published yet | — | — |
| Idaho | no figure published yet | — | — |
| South Dakota | no figure published yet | — | — |
| Vermont | no figure published yet | — | — |