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My spouse needs more care than I can give

Options that keep a couple together, and the spousal protections Medicaid provides.

Quick answer

Options that keep a couple together, and the spousal protections Medicaid provides.

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Home›By Situation›My spouse needs more care than I can give

Caring for a spouse is different from caring for a parent, financially and otherwise. Texas's 2026 Community Spouse Resource Allowance runs roughly $32,041 to $160,200, protecting the at-home spouse's assets.

Short answer

Options that keep a couple together, and the spousal protections Medicaid provides.

What to do, in order

  1. Understand the spousal protections. Texas's 2026 federal Community Spouse Resource Allowance runs roughly $32,041 to $160,200, with a Minimum Monthly Maintenance Needs Allowance of roughly $2,643 to $3,948, protecting the at-home spouse.
  2. Look at communities that keep couples together. Several campuses offer more than one level of care on one site.
  3. Be honest about your own health. Spousal caregivers routinely under-report their own decline.
  4. Get an objective assessment. The Area Agency on Aging serving your county can assess both of you at no cost.

Questions families ask

Do Fort Worth assisted living facilities have to disclose past violations to families?

Texas law does not require a facility to hand a prospective resident its inspection history unprompted, but that history is public and available through HHSC. Ask directly for a copy, or pull it yourself through HHSC's Complaint and Incident Intake line before you tour.

Does Texas Medicaid pay for assisted living in Fort Worth?

Texas Medicaid pays for care services inside a participating assisted living facility through the STAR+PLUS HCBS waiver, but it does not pay the facility's room-and-board charge -- that portion remains the resident's financial responsibility, typically funded from the resident's own income.

What's the difference between Texas's Medicaid expansion and Medicaid for seniors?

Texas has not expanded Medicaid under the Affordable Care Act, but that decision has no bearing on long-term-care Medicaid for seniors, which is a completely separate, decades-old eligibility pathway for people who are 65 or older, or blind or disabled.

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