Massachusetts Medicaid Lookback & Penalty Calculator

Estimate your MassHealth penalty period from asset transfers, see how far your assets are from the eligibility limit, and find your 5-year safe harbor date.

2026 MassHealth figures $450/day penalty divisor No data saved

This calculator provides estimates only, not legal or Medicaid planning advice. MassHealth eligibility rules are complex and fact-specific. This tool uses 2026 Massachusetts figures but cannot account for all asset types, exempt transfers, income rules, or planning strategies. For a complete Medicaid crisis or pre-planning review, schedule a consultation.

Your Situation

Marital Status

Single

Married

Countable Assets

Total countable assets (applicant + spouse combined)

Include: bank accounts, investments, CDs, second home, non-primary vehicles, cash value life insurance, most IRAs. Do not include: primary home (if spouse lives there), one vehicle, personal belongings, prepaid funeral/burial.

Community Spouse Note

When one spouse enters a nursing home, the community (at-home) spouse may keep up to the Community Spouse Resource Allowance (CSRA): in 2026 approximately half of countable assets, between $32,532 and $162,660. The institutionalized spouse must reduce assets to $2,000. This calculator estimates the CSRA based on your total assets.

Asset Transfers in the Past 5 Years

MassHealth reviews all financial transfers (gifts, below-market sales, payments to family) made in the 60 months before application. Penalizable transfers create a waiting period before benefits begin.

I (or my spouse) made gifts or transfers in the past 5 years

Includes cash gifts, property transfers, helping family members financially

Planning Horizon

When Is Care Needed?

Status This helps calculate your safe harbor date and planning window.

Your MassHealth Estimate

Updates as you enter values above.

Enter your asset and transfer information on the left to see your estimate.

Massachusetts Medicaid Lookback & Penalty Calculator

Your Situation

Asset Transfers in the Past 5 Years

Planning Horizon

Your MassHealth Estimate

Learn More About MassHealth Planning

Medicaid Crisis Planning: What to Do When Care Is Needed Now

Planning for Mom and Dad: Elder Law Services

How Irrevocable Trusts Can Protect Assets from MassHealth Spend-Down

Concerned About MassHealth Spend-Down?