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New Hampshire · Medicaid Planning

New Hampshire Medicaid planning,
in plain English.

Penalty divisor $12,893/mo. CSRA up to $162,660. Home-equity limit $752,000. Estate recovery: expanded (all Medicaid services post-55).

A warm impressionist landscape evoking New Hampshire

How does Medicaid long-term-care planning work in New Hampshire?

New Hampshire's Medicaid program, with Choices for Independence Waiver (CFI) delivering long-term services and supports. The penalty divisor is $12,893/month, paired with federal-maximum CSRA (up to $162,660), expanded (all Medicaid services post-55) estate recovery, and a $752,000 home-equity limit. The 5-year lookback applies to every asset transfer — planning before a crisis always outperforms planning during one.

The numbers that matter in New Hampshire

  • Penalty divisor (2026): $12,893/month — every $12,893 in gifted assets during the 5-year lookback = 1 month of Medicaid ineligibility.
  • Nursing-home cost (2026, semi-private): ~$11,710/month = $140,520/year.
  • CSRA ceiling: $162,660 (community-spouse resource allowance).
  • MMMNA band: $2,643.75 to $4,066.50/month (minimum monthly maintenance needs allowance).
  • Home equity limit: $752,000.
  • Applicant asset cap: $2,000 (non-exempt).
  • Applicant income cap: $2,901/month (state-federal common threshold, 2026).
  • Managed long-term care: No — direct state Medicaid agency application.
  • Estate recovery posture: Expanded (all Medicaid services, including non-LTC).

Programs and acronyms in New Hampshire

If you're searching for help with long-term-care Medicaid in New Hampshire, these are the names and acronyms you'll encounter on state-agency forms, in elder-law conversations, and in nursing-facility paperwork.

  • New Hampshire Medicaid — Medical Assistance. The state's Medicaid program brand.
  • New Hampshire Department of Health and Human Services (DHHS) — administers New Hampshire Medicaid and processes long-term-care eligibility decisions.
  • Choices for Independence Waiver (CFI) — HCBS waiver for New Hampshire seniors and adults with chronic illness providing adult day, home health, respite, and home modifications.
  • Personal Care Attendant Services (PCAS) — State-plan personal-care benefit letting NH residents hire and direct their own caregivers.
  • Granite Advantage Health Care Program — New Hampshire's Medicaid expansion program covering working-age adults; not LTC-focused.
  • NH EASY — New Hampshire's online Medicaid application portal: nheasy.nh.gov/
  • BEAS — Bureau of Elderly and Adult Services (Administers CFI waiver).
  • DD — Developmental Services Waivers (I/DD waivers (DS, ABD, IHS)).

The New Hampshire planning levers

Every Medicaid plan in New Hampshire pulls some combination of five levers: (1) community-spouse asset re-allocation inside the CSRA ceiling, (2) spend-down on exempt assets (home improvements, new car for the community spouse, pre-paid funeral), (3) irrevocable trust transfer outside the 5-year window, (4) caregiver-child exception or disabled-child exception on the home, and (5) personal-service contracts paying a family member for documented caregiving hours.

Which lever fits depends on the specific assets, the crisis timeline, and — critically — whether the applicant is already in a facility. If a family member is already admitted, the playbook narrows to levers (1), (2), and (5) only.

What planning looks like, by timeline

5+ years out: full menu available. Irrevocable-trust transfers, gifting, long-term-care insurance — all work if executed cleanly. Time is the most valuable asset in Medicaid planning.

1–5 years out: half-menu. Transfers still trigger the lookback but a known penalty period can be absorbed by private pay. Community-spouse re-allocation is still a big lever.

Already in a facility: crisis planning. Most gifting is off the table. Spend-down, community-spouse allowance, personal-service contracts, and exempt-asset purchases become primary. See the crisis playbook.

New Hampshire Medicaid's 2026 penalty divisor is approximately $12,893/month. Every $12,893 of uncompensated transfers during the 5-year lookback produces one month of Medicaid ineligibility. The divisor roughly tracks New Hampshire's private-pay nursing-home cost.
New Hampshire uses federal-maximum CSRA (up to $162,660). The federal 2026 CSRA ceiling is $162,660; the floor is $32,532. The non-applicant spouse can retain assets inside the state's cap without affecting the applicant's eligibility.
A primary residence is exempt while you or your spouse lives there. New Hampshire's 2026 home-equity limit is $752,000; equity above that disqualifies the applicant. After the applicant's death, New Hampshire pursues expanded (all Medicaid services post-55) estate recovery.
No. New Hampshire runs long-term-care Medicaid on a fee-for-service basis — applications go directly to New Hampshire Department of Health and Human Services rather than through a managed-care enrollment.
Semi-private nursing-home rooms in New Hampshire run approximately $11,710/month ($140,520/year) in 2026. Private rooms add 10-25%. This figure drives the state's Medicaid penalty divisor and also signals how quickly private-pay assets deplete.
Next step — New Hampshire

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