Asset spend-down estimator
Oregon · 2026 limits
Oregon OSIPM still counts most bank and brokerage balances toward a $2,000 applicant resource limit for nursing facility care and the K Plan home and community benefit. This page runs asset spend-down math for Portland, Salem, Eugene, Multnomah County, Lane County, and every other Oregon county using posted 2026 federal CSRA brackets and ODHS spousal rules.
Enter marital status and countable assets for the person who will file through ONE.Oregon.gov or a local ODHS office. The form applies the $2,000 single cap, the $3,000 couple cap when both spouses apply, and the federal CSRA range ($32,532 to $162,660) when one spouse stays home.
Patricia in Eugene listed $88,200 across an OnPoint Community Credit Union savings account and a Vanguard brokerage total for her husband Robert. Lane County ODHS treated the full balance as countable, so the raw gap opened near $86,200 before the community spouse allowance.
Common mistake: Moving Robert's IRA into Patricia's name without a plan. ODHS still traces the account through five years of statements. List every account you will hand to your eligibility worker before you shuffle titles.
These figures come from Oregon agency policy and federal CSRA updates. Call your local eligibility office if your case involves waivers, estate recovery, or managed care plans.
| Rule | Value | Source |
|---|---|---|
| Single applicant resource limit | $2,000 | Oregon OAR 461-160-0015 (OSIPM) |
| Couple resource limit (both applying) | $3,000 | Oregon OAR 461-160-0015 (OSIPM) |
| CSRA minimum (2026) | $32,532 | Oregon OAR 461-160-0580 |
| CSRA maximum (2026) | $162,660 | Federal CMS update |
| Look-back period | 60 months | Oregon ODHS transfer rules |
| Home equity cap (2026) | $603,000 | Oregon OAR 461-145-0220 |
| Burial fund exclusion | $1,500 | Oregon OSIPM policy |
| Vehicle exclusion | One vehicle | Oregon OSIPM policy |
| Nursing facility income cap (2026) | $2,982 / month | 300% federal SSI rate |
| Income spend-down path (LTC) | Income Cap Trust required above cap | Oregon OHA / ODHS |
| Primary program | OSIPM / K Plan waiver | Oregon OHA / ODHS |
The widget subtracts Oregon countable resources from the posted limit for your filing status. Single applicants compare savings against $2,000. Married couples where both seek coverage use the $3,000 couple cap.
When only one spouse applies and the other stays home, the tool splits total assets. Half of the combined balance becomes the Community Spouse Resource Allowance, floored at $32,532 and capped at $162,660 for 2026. The applicant may keep $2,000 on top of that protected share.
Martha and Henry in Salem held $214,600 between IRAs and an Oregon Community Bank checking account in Marion County. ODHS counted the IRAs, set Henry's CSRA near $107,300, and still expected Martha to spend or convert the remainder through allowed channels before the nursing facility month billed.
Common mistake: Entering only the applicant's name on joint accounts. ODHS divides jointly owned liquid accounts unless you prove otherwise. Type the full household balance you expect on your ONE application packet.
A positive spend-down number is the countable dollars Oregon still expects you to remove before the first eligibility month. It is not an approval letter. Your local ODHS office can reject the file if a vehicle, homestead, or promissory note was misclassified.
A $0 result means your inputs already sit at or below the limit after CSRA math. You may still owe income planning. Nursing facility applicants above $2,982 monthly must route excess income through an Income Cap Trust even when assets pass.
Diane in Portland saw $0 asset spend-down but $520 monthly income over the cap. Her attorney opened an Income Cap Trust at a local bank before ODHS finalized the packet. Asset math alone would have missed that step.
Common mistake: Treating a $0 asset gap as automatic Oregon Health Plan approval. ODHS still checks CAPS level-of-care forms, citizenship documents, and five-year transfer history.
This page does not score K Plan functional eligibility, estate recovery waivers, or penalty months from gifts. Oregon divides the average monthly nursing facility cost into transfer penalties, and that divisor updates with state rate changes.
The form does not value a Willamette Valley vineyard, timber rights, or a spouse's 401(k) still at work. Each asset class follows a different OHA worksheet line.
Oregon also runs an estate recovery program after death for members 55 and older who received nursing facility or certain community services. Planning conversations belong with an Oregon elder law attorney before you spend six figures on home remodeling.
Common mistake: Gifting $22,000 to an adult child fourteen months before filing. ODHS can impose penalty months with no coverage even if assets later fall below $2,000. Pay legitimate debt and care invoices instead.
Oregon administers Medicaid through the Oregon Health Authority (OHA) and the Department of Human Services (ODHS). Long-term care applications for people age 65 and older usually start at ONE.Oregon.gov, by phone at (800) 699-9075, or at a local ODHS office in counties like Multnomah, Marion, and Lane.
OSIPM covers nursing facility care. The K Plan pays for personal care at home, in adult foster homes, and in assisted living when someone would otherwise need a nursing home. Asset tests still follow the same $2,000 resource standard for the applicant in both paths.
Oregon is an income-cap state for nursing facility cases. Families above the $2,982 monthly income cap must assign income through an Income Cap Trust, also called a Qualified Income Trust, with an Oregon trustee. Medical bill stacking does not replace that trust.
Community spouses may keep the greater of the CSRA calculation or certain income protections under spousal impoverishment rules. Oregon uses a home equity cap of $603,000 in 2026 unless a spouse or dependent child still lives in the house.
Burial spaces, one vehicle, and up to $1,500 in a designated burial fund can be excluded if titled correctly. Prepaid funeral contracts follow separate OHA policy memos.
Look-back reviews cover asset transfers made within 60 months before application. Penalty length equals the uncompensated transfer amount divided by the average monthly nursing facility cost published by ODHS.
Families in Bend and Medford follow the same resource test as applicants in Portland and Eugene. K Plan service authorizations vary by region, but the $2,000 asset cap does not.
Common mistake: Assuming Oregon exempts a second home because it is "in the family." Non-homestead real estate counts unless occupied by a spouse or dependent child under OHA rules. Budget property taxes and sale costs before you rely on an appraisal.
| Asset | Oregon rule |
|---|---|
| Primary home | Exempt if applicant, spouse, or dependent child lives there or equity is below $603,000 (2026) |
| One vehicle | Exempt regardless of value for applicant or community spouse transportation |
| Household goods | Exempt personal property in the home |
| Burial fund | Up to $1,500 in a separately designated account |
| Prepaid funeral | Irrevocable funeral contract may be exempt with OHA documentation |
| Term life insurance | Exempt if face value is $1,500 or less |
| IRA / 401(k) | Countable unless receiving required minimum distributions treated as income |
| Second home or land | Countable; must be sold or spent down unless occupied by exempt relative |
Read our pillar guides for look-back rules, Miller Trusts, spousal allowances, and estate recovery. Start withwhat is Medicaid spend down or theasset limits guide if you are new to the topic.
These supporting posts cover countable assets, application steps, and spend-down strategies that pair with this calculator.
Asset caps differ sharply by state. California reinstated a $130,000 single limit in January 2026. Oklahoma and Louisiana still follow the $2,000 federal floor for many cases.
Oregon OHA uses a $2,000 countable resource limit for a single OSIPM applicant and $3,000 when both spouses apply. Certain exempt assets, like a primary home and one car, do not count toward that cap.
Oregon does not use a medically needy income spend-down for most nursing facility cases. Applicants above the $2,982 monthly income cap must use an Income Cap Trust instead of stacking doctor bills.
When one spouse stays home, ODHS protects between $32,532 and $162,660 of combined countable assets for the community spouse in 2026. The applicant may keep $2,000 in addition to that protected share.
Oregon reviews asset transfers made within 60 months before your application date. Gifts, below-market sales, and some trust funding can trigger penalty months without coverage.
Nursing facility applicants with gross income above $2,982 per month in 2026 generally must deposit income into a Qualified Income Trust each month. The trust must be irrevocable and managed by an Oregon trustee.
ODHS local offices and OHA eligibility staff collect OSIPM packets through ONE.Oregon.gov. Call ONE Customer Service at (800) 699-9075 for filing help. Portland, Salem, and Eugene offices see the highest volume.
No. A $0 asset result does not clear you for OSIPM. ODHS still reviews CAPS level-of-care forms, Income Cap Trust setup when income tops $2,982 monthly, and 60-month gift history.
Yes for most aged and disabled adults seeking K Plan home and community services. ODHS still applies the $2,000 applicant resource limit and the same 60-month look-back, though functional approval follows a separate Client Assessment and Planning System review.
This calculator does not decide Oregon Medicaid eligibility and is not legal or financial advice. Verify figures with Oregon OHA / ODHS or your county eligibility office before you transfer property or file an application.
