North Dakota Medicaid Asset Limits

HHS requires a North Dakota long-term-care applicant to hold less than $3,000 in countable assets if single, or less than $6,000 if applying as a couple. The agency's public eligibility page lists checking and savings accounts, certificates of deposit, stocks, bonds, and similar holdings as examples of what counts toward that limit — while a home, one vehicle, home furnishings, irrevocable burial arrangements, and other personal items generally don't count, though any specific asset can still trigger a closer title, availability, or equity review.

The state's administrative code backs this up, setting the medically needy aged, blind, and disabled resource limit at $3,000 for a one-person household and $6,000 for a two-person household, adding $25 for each additional household member. This is strictly a resource test — it isn't an invitation to simply give property away, since an uncompensated transfer can trigger its own separate long-term-care penalty. Spending down assets needs careful documentation and a review of the transfer rules before it happens.