---
title: "Idaho Long-Term Care Planning | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/idaho/long-term-care-planning/
description: "Idaho planning must reconcile its income-cap/Miller-Trust rules with five-year transfers and unusually broad recovery exposure."
last_updated: 2026-10-20
author: George A. Mellendorf, CLTC, LTCP (Central States Insurance Services, Inc.)
publisher: Funding LTC Marketplace
note: Educational content; not legal, tax or financial advice. Markdown copy of the HTML page at the URL above.
---
Idaho · Planning Ahead

# Idaho Long-Term Care Planning

Last updated 2026-10-20

**Quick answer:** Idaho's 2026 Medicaid income limit for nursing home and waiver care is $3,002 a month. Above that, an irrevocable Qualified Income Trust (Miller trust) naming Idaho as remainder beneficiary is required, and applicants must also pass a level-of-care determination.

For most families mapping out Idaho long-term-care Medicaid, the income cap is the detail that shapes everything else. The 2026 eligibility guide puts the individual limit at $3,002 a month for both Nursing Home Medicaid and waiver applicants, and it identifies the fix for anyone over that number: an irrevocable Qualified Income Trust, or Miller Trust, with Idaho named as the remainder beneficiary.

Setting up that trust doesn't finish the job, though. DHW still requires nursing-home and HCBS applicants to pass a Level of Care Determination after clearing financial eligibility, and its nursing-home guidance separately flags that transferring income around can jeopardize eligibility rather than protect it — a reminder that Idaho planning has to account for both the income-cap mechanics and the functional-care review.

## Idaho figures

- Individual income limit: $3,002/month

## Sources and official resources

- [Idaho Department of Health and Welfare: Nursing Home Coverage](https://healthandwelfare.idaho.gov/services-programs/assisted-care-and-facilities/nursing-home-coverage)
- [CMS: 2026 SSI and Spousal Impoverishment Standards](https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf)

Rules and figures change. Confirm current details with the agency before you act.

[← Back to the full Idaho guide](https://fundingltcmarketplace.com/states/idaho/)