Elder & Estate

Interstate Medicaid Planning

Moving states? Your Medicaid doesn't follow you.

Medicaid is a state-run program. When you move, your coverage stops. You must apply all over again in your new state — and that means a new eligibility review, new asset limits, and a new look-back clock. Get this wrong and you could face months without coverage or a long disqualification period.

Book a Free Call Before You Move

What You Need to Know Before You Move

⚠️

Medicaid is not portable

There is no nationwide Medicaid card. Each state has its own program, its own rules, and its own income and asset limits. Moving means starting over.

⏳

The 5-year look-back still applies

Your new state will review the same 5-year window of asset transfers. Gifts or transfers made before your move can trigger a disqualification period in the new state.

🏥

Nursing home coverage can stop immediately

If a loved one is in a nursing home and you move them to another state, Medicaid coverage stops on the day they leave. The new state application must be in process.

📋

MAGI vs. LTSS Medicaid are different

Standard health coverage Medicaid (MAGI) is easier to transfer. Long-term care Medicaid (nursing homes, home care) has stricter rules and requires a full new application.

🏠

Your home may be treated differently

Some states have stricter home equity limits than others. The home you own in your old state may count against you in a new state's Medicaid calculation.

📅

Timing is everything

The order of events matters enormously — when you terminate coverage, when you establish residency, and when you apply in the new state can affect your eligibility.

Find Your Specific Move

Each state pairing has different rules, different income limits, and different strategies. Select your move to get state-specific guidance.

Most Common Moves

NY→FLNew York to FloridaNJ→FLNew Jersey to FloridaPA→FLPennsylvania to FloridaOH→FLOhio to FloridaMI→FLMichigan to FloridaIL→FLIllinois to FloridaMA→FLMassachusetts to FloridaCT→FLConnecticut to FloridaCA→AZCalifornia to ArizonaCA→NVCalifornia to NevadaCA→TXCalifornia to Texas

All Covered Routes

NY→NJNew York to New JerseyNY→PANew York to PennsylvaniaNY→CTNew York to ConnecticutNY→NCNew York to North CarolinaPA→ARPennsylvania to ArkansasPA→NCPennsylvania to North CarolinaPA→TXPennsylvania to TexasPA→VAPennsylvania to VirginiaPA→SCPennsylvania to South CarolinaIL→TXIllinois to TexasIL→AZIllinois to ArizonaIL→INIllinois to IndianaIL→WIIllinois to WisconsinOH→NCOhio to North CarolinaOH→TXOhio to TexasOH→KYOhio to KentuckyOH→INOhio to IndianaMI→NCMichigan to North CarolinaMI→TXMichigan to TexasMI→AZMichigan to ArizonaMN→FLMinnesota to FloridaMN→AZMinnesota to ArizonaWI→FLWisconsin to FloridaWI→AZWisconsin to ArizonaMA→NCMassachusetts to North CarolinaMA→CTMassachusetts to ConnecticutNJ→NCNew Jersey to North CarolinaNJ→PANew Jersey to PennsylvaniaNJ→TXNew Jersey to TexasVA→NCVirginia to North CarolinaVA→FLVirginia to FloridaVA→TXVirginia to TexasTX→FLTexas to FloridaTX→OKTexas to OklahomaTX→LATexas to LouisianaCA→WACalifornia to WashingtonCA→ORCalifornia to OregonCA→COCalifornia to ColoradoFL→NYFlorida to New YorkFL→GAFlorida to GeorgiaFL→NCFlorida to North CarolinaGA→FLGeorgia to FloridaGA→NCGeorgia to North CarolinaNC→SCNorth Carolina to South CarolinaNC→VANorth Carolina to VirginiaNC→TNNorth Carolina to TennesseeTN→FLTennessee to FloridaTN→TXTennessee to TexasAR→TXArkansas to TexasAR→MOArkansas to MissouriMO→FLMissouri to FloridaMO→ARMissouri to ArkansasKS→FLKansas to FloridaOK→TXOklahoma to TexasOK→FLOklahoma to FloridaWA→AZWashington to ArizonaWA→FLWashington to FloridaOR→AZOregon to ArizonaOR→NVOregon to NevadaCO→FLColorado to FloridaCO→AZColorado to Arizona

Don't see your move? Book a call — we handle all 50 states.

Don't lose coverage during the move

A 15-minute call now can prevent months of Medicaid gaps. We walk through your specific state-to-state situation, timing strategy, and what to do with your assets.

Book Your Free Discovery Call