Your Spouse Needs a Nursing Home. You Do Not Have to Spend Down to $2,000.
That rule is for single applicants. Married couples in Texas have completely different limits in 2026 — and most families start writing checks before they ever find that out.
The most expensive mistake married couples make isn’t failing to plan. It’s planning based on the wrong number. If someone told you that you have to spend down to $2,000 before Medicaid kicks in, watch this first.
What You’ll Learn
- The actual asset limits for married couples in Texas in 2026 — including the number that can go as high as $162,660
- Why the spend-down advice most families follow is based on the wrong rule entirely
- How a spousal Medicaid annuity converts excess assets into income — keeping the money inside the marriage instead of paying it to a nursing home
