Utah's current resource rule sets a $2,000 ceiling for a one-person aged, blind, or disabled Medicaid household, rising to $3,000 for a two-person household. That same rule specifically calls out a $2,000 resource limit for anyone who is institutionalized. These figures are only the starting point — the rule goes on to address availability, exclusions, trust treatment, and spousal provisions, so an account or a home shouldn't be sorted into "countable" or "exempt" from the dollar figure alone.
Generally, a resource counts as available when the person owns it outright or has the legal right to sell or otherwise convert it for their own benefit. Utah's rule does recognize that a genuine legal obstacle can keep an otherwise-available resource from being counted until it's actually accessible — but it still expects reasonable efforts to make that resource available, unless those efforts clearly wouldn't work or would cost more than the resource itself is worth.