Planning in Maryland has to start with the actual financial pathway, not an assumption borrowed from an income-cap state. The coverage-group guide includes an ABD long-term-care group qualifying through spend-down, and the current appendix sets resource standards at $2,500 for one person and $3,000 for two, alongside medically needy income standards of $350 and $392. There's no separate long-term-care income cap published, and no Qualified Income Trust mechanism referenced — so the planning conversation has to be grounded in which Maryland pathway genuinely fits.
For married couples, Maryland's 2026 community-spouse resource protection ranges from $32,532 up to $162,660, alongside a separate community-spouse income-maintenance framework. Before moving money, paying a family member, selling the home, or retitling an account, it's worth getting a formal resource assessment and written calculation rather than guessing at what the range implies for a specific household.