States With No Asset Test for Medicare Savings Programs (2026)
Fourteen states plus D.C. have removed the asset test for Medicare Savings Programs — meaning only your income counts. See the full 2026 list.
Normally, qualifying for a Medicare Savings Program depends on both income and savings. But a growing number of states have eliminated the asset (savings) test entirely — so only your income matters.
The 14 states plus D.C. with no asset test (2026)
Alabama, Arizona, Connecticut, Delaware, Louisiana, Maine, Massachusetts, Mississippi, New Mexico, New York, Oregon, Vermont, Washington, and Washington, D.C. If you live in one of these, savings won't disqualify you — only income counts.
Why it matters
Many people assume their savings make them ineligible and never apply. In these states, that barrier is gone. Even elsewhere, your home and one car never count, and limits are higher than most people expect.
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Run the free check →Frequently asked questions
Which states have no asset test for Medicare Savings Programs?
In 2026: Alabama, Arizona, Connecticut, Delaware, Louisiana, Maine, Massachusetts, Mississippi, New Mexico, New York, Oregon, Vermont, Washington, and Washington, D.C.
Does that mean I automatically qualify?
No — you still need to meet the income limit. But in these states your savings won't count against you at all.
Updated July 2026. Sources: Medicare.gov, SSA, CMS (2026). Estimates — verify with SSA and your state.