Under the Affordable Care Act (ObamaCare) marketplace cost assistance and Medicaid eligibility are based on household income and family size, not assets. The only exceptions to this are Medicaid’s Asset Rules for long-term end of life care (which do count assets) and Medicaid in states that didn’t expand Medicaid (those states may have special rules).[1][2]

Sometimes we hear that people are being told that they don’t qualify for assistance because they own a home or have assets. This is bad information. Unless we are talking about long-term care, it simply isn’t true.

Under the Affordable Care Act, especially in states that expanded Medicaid, eligibility for marketplace cost assistance and Medicaid/CHIP doesn’t take assets into account.

Learn more about qualify for cost assistance and Medicaid.


  1. Medicaid’s Asset Rules
  2. Eligibility – Medicaid.Gov