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Program financial guidelines for certain MassHealth applicants and members

Figures used to determine eligibility

MassHealth eligibility is determined using factors, such as income, assets, residency, and household composition. The full list of factors can be found in the MassHealth Member Regulations.

The following figures are used to determine eligibility for certain MassHealth applicants and members aged 65 and older or those of any age who are in or are entering a long-term-care facility and their spouses who reside in the community.

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2025 MassHealth Income Standards and Federal Poverty Guidelines

2025 MassHealth Income Standards and Federal Poverty Guidelines

Additional Resources

Eligibility Figures for Residents of a Long-Term-Care Facility

The figures in this table are used in determining eligibility for a MassHealth member who lives in a long-term-care facility. 

All figures are effective January 1, unless otherwise noted. 

Figure Types 2026202520242023
Personal needs allowance (PNA)/ LTC income standard$72.80$72.80$72.80$72.80
Maximum home equity limits$1,130,000$1,097,000$1,071,000$1,033,000
Community spouse minimum resource (assets) standard$32,532$31,584$30,828$29,724
Community spouse maximum resource (assets) standard$162,660$157,920$154,140$148,620
Average daily cost of nursing facility services$450$450.00 (eff. 11/01/25) 

$ 441.00 
(eff. 11/01/24) 

$433.00 
(before 11/01/24)

$433.00 
(eff. 11/01/23) 

$427.00 
(before 11/01/23)

Eligibility Figures for Community Residents Age 65 or Older

The figures in this table are used in determining eligibility for a MassHealth member age 65 or older who lives in the community.

All figures are effective January 1, unless otherwise noted. 

Living Arrangement Category: Individual

Figure Type2026202520242023
MassHealth asset limit$2,000$2,000$2,000$2,000
Medicare Savings Programs (MSP) asset limitAs of March 1, 2024, there is no asset limit for MSPs.As of March 1, 2024, there is no asset limit for MSPs.$18,860 for January and February 2024.$18,180
Federal benefit rate (300%)$2,982$2,901$2,829$2,742
Medicare Part B premium (per month)$202.90$185.00$174.70$164.90

Living Arrangement Category: Member of a Married Couple

Figure Type2026202520242023
MassHealth asset limit$3,000$3,000$3,000$3,000
Medicare Savings Programs (MSP) asset limitAs of March 1, 2024, there is no asset limit for MSPs.As of March 1, 2024, there is no asset limit for MSPs.$28,260 for January and February 2024.$27,260
Federal benefit rate (300%)$2,982$2,901$2,829$2,742
Medicare Part B premium (per month)$202.90$185.00$174.70$164.90

Figures Used to Determine Minimum-Monthly-Maintenance-Needs Allowance (MMMNA)

The figures in this table are used to determine the minimum-monthly-maintenance-needs allowance (MMMNA) for the community spouse of a MassHealth member who lives in a long-term-care facility.  

Figure Type2026202520242023
Maximum MMMNA$4,066.50 
(eff. 1/1/2026)		$3,948.00
(eff. 1/1/2025)		$3,853.50
(eff. 01/01/24)		$3,715.50
(eff. 01/01/23)
Minimum MMMNA

$2,643.75 
(eff. 7/1/2025)

$2,555
(before 7/1/2025)

$2,643.75 
(eff. 7/1/2025)

$2,555
(before 7/1/2025)

$2,555.00 
(eff. 07/01/24)

$2,465.00
(before 07/01/24)

$2,465.00 
(eff. 07/01/23) 

$2,288.75 
(before 07/01/23)

Standard shelter expense

$793.13
(eff. 7/1/2025)

$766.50
(before 7/1/2025)

$793.13
(eff. 7/1/2025)

$766.50
(before 7/1/2025)

$766.50 
(eff. 07/01/24)

$739.50
(before 07/01/24)

$739.50 
(eff. 07/01/23) 

$686.63 
(before 07/01/23)

SNAP utility expense 
Heat expense 

 

$914.00
(eff. 10/1/2025)

$890.00
(before 10/01/25)

$914.00
(eff. 10/1/2025)

$890.00
(before 10/01/25)

$890.00
(eff. 10/01/24)

$852.00  
(before 10/01/24)

$852.00 
(eff. 10/01/23)

$860.00
(before 10/01/23)

SNAP utility expense 
No heat expense 

$557.00
(eff. 10/1/2025)

$542.00 
(before 10/01/25)

$557.00
(eff. 10/1/2025)

$542.00 
(before 10/01/25)

$542.00 
(eff. 10/01/24)

$520.00
(before 10/01/24)

$520.00 
(eff. 10/01/23)

$525.00
(before 10/01/23)

Massachusetts Supplemental Security Income (SSI) Payment Standards Effective January 1, 2026

Living Arrangement Category: Individual

Population Type  

A

Full Cost of Living 
Expenses

B

Shared Living 
Expenses

C

Household of 
Another

E

Licensed 
Rest Home

G


Assisted Living

Aged$1,122.82$1,033.26$767.03$1,287.00$1,448.00
Blind$1,143.74$1,143.74$1,143.74$1,287.00$1,448.00
Disabled$1,108.39$1,024.40$750.25$1,287.00$1,448.00

Living Arrangement Category: Member of a Couple

Population Type

A

Full Cost of Living 
Expenses

B

Shared Living 
Expenses

C

Household of 
Another

E

Licensed 
Rest Home

G


Assisted Living

Aged$846.36$846.36$604.90$1,287.00$1,086.00
Blind$1,143.74$1,143.74$1,143.74$1,287.00$1,086.00
Disabled$835.53$835.53$594.09$1,287.00$1,086.00

Note: The 2026 SSI federal benefit rate (FBR) for an individual is $2,982.

Note: The personal needs allowance in licensed rest homes, nursing facilities, and chronic-disease hospitals is $72.80.

Retirement, Survivors, and Disability Insurance (RSDI) Cost-of-Living Adjustments (COLA)

Historic cost-of-living adjustments to the RSDI rates may be found at www.ssa.gov/oact/cola/SSIamts.html. 

Last updated: January 6, 2026

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