Updated September 6, 2026. Quick answer: No. Massachusetts does not currently have an operative federal Long-Term Care Partnership Program, based on 211 CMR 65.00, Long-Term Care Insurance (Massachusetts Division of Insurance); no MA statute/regulation establishing a federal DRA Qualified LTC Partnership Program was located.
Why there is no Partnership protection to buy in Massachusetts
Massachusetts’s own law does not currently give a Partnership-qualified policy any Medicaid asset-protection effect. 211 CMR 65.00, Long-Term Care Insurance (Massachusetts Division of Insurance); no MA statute/regulation establishing a federal DRA Qualified LTC Partnership Program was located is the relevant provision. Its own text reads: “211 CMR 65.00 establishes minimum standards for individual long-term care insurance policies and minimum standards for disclosure, marketing and agent training for both individual long-term care insurance policies and group long-term care insurance policies that are not employment-based.” mass.gov PDFs returned 403/unreadable; Massachusetts instead runs its own pre-DRA MassHealth Qualified Policy concept (in place since 1999), not the federal reciprocity-bearing Partnership Program.
What this means if you already own an out-of-state policy
Because Massachusetts has no operative Partnership Program of its own, a policy bought elsewhere does not automatically earn Medicaid asset protection inside Massachusetts on the strength of Massachusetts’s own law alone; whether the state you are moving FROM extends reciprocity to non-Partnership states is a question for that state’s own Medicaid agency, not Massachusetts’s.
What a policy purchase in this state does not buy
Because there is no operative program, there is no policy-vintage question to answer in Massachusetts: no policy issued at any date earns Partnership-specific Medicaid asset protection under Massachusetts’s own law as read this session.
Estate recovery, not just eligibility
Without an operative Partnership Program, Massachusetts has no Partnership-specific carve-out from ordinary Medicaid estate recovery rules. See how estate recovery itself works in Massachusetts for the rules that do apply.
A note on sourcing: mass.gov PDFs returned 403/unreadable; Massachusetts instead runs its own pre-DRA MassHealth Qualified Policy concept (in place since 1999), not the federal reciprocity-bearing Partnership Program.
| Federal Partnership framework itself | 20 years old (in place since February 8, 2006) |
| Federal inflation-protection buyer-age brackets | compound protection required under age 61; some protection required age 61 to age 76 |
| Massachusetts’s own (dormant) statute (since 1999) | 27 years old |
| State citation | 211 CMR 65.00, Long-Term Care Insurance (Massachusetts Division of Insurance); no MA statute/regulation establishing a federal DRA Qualified LTC Partnership Program was located |
| Federal authority | 42 U.S.C. § 1396p(b), Deficit Reduction Act of 2005 |
| Participates | No |
| Confidence | Medium |
Also see Massachusetts General Laws, Chapter 175 (Insurance).
For the federal rules behind this state page, see how Partnership reciprocity works when you move states and why inflation protection is a condition of staying Partnership-qualified.
Every citation on this page was read directly from the state’s own Insurance Department, Medicaid agency, statute, or administrative code this session (or, where that site could not be reached, from an independently cross-checked legal-database mirror of the same codified text, disclosed below). General information, not insurance, legal, or tax advice on any specific policy or application; program rules and reciprocity agreements can change, and your state’s Insurance Department or Medicaid agency has the final say.