Updated September 6, 2026. Quick answer: Yes. Minnesota participates in the federal Long-Term Care Partnership Program, using a dollar-for-dollar asset-protection model, under Minnesota Health Care Programs Eligibility Policy Manual, Section 2.4.2.2 MA-LTC Long-Term Care Partnership Insurance.
How the asset protection works
Minnesota uses a dollar-for-dollar asset-protection model: an amount of Medicaid-countable assets equal to what a qualified Partnership policy actually paid out is protected (disregarded) both when applying for Medicaid and later in Medicaid estate recovery. Minnesota Health Care Programs Eligibility Policy Manual, Section 2.4.2.2 MA-LTC Long-Term Care Partnership Insurance is the governing citation. In the state’s own words: “It allows people to exclude assets and protect assets from MA recoveries in an amount equal to the benefits paid out by a partnership policy”
What the state itself says about moving
Minnesota’s own program materials address this directly, describing it this way: A beneficiary of a partnership policy established by another state that has a reciprocity agreement with Minnesota may qualify for the asset disregard if they were a resident of that state when the policy was purchased.
Which policies qualify
Minnesota’s own materials tie the program to policies issued on or after 2006 (or the date its state plan amendment took effect that year). A long-term care policy bought before that cutoff is not automatically Partnership-qualified in Minnesota even if it otherwise looks similar; the policy’s own rider or outline of coverage should say “Partnership” or “Qualified State Long-Term Care Insurance Partnership” explicitly.
Estate recovery, not just eligibility
The federal rule requires the same protected amount to be disregarded twice: once when Minnesota decides Medicaid eligibility, and again later if Minnesota pursues Medicaid estate recovery against the person’s estate. A Partnership-qualified policy is doing two jobs, not one; see how estate recovery itself works in Minnesota.
| 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 |
| Minnesota’s own cutoff (since 2006) | 20 years old |
| This state’s core mechanism | protects $1 of assets for every $1 the policy pays out |
| State citation | Minnesota Health Care Programs Eligibility Policy Manual, Section 2.4.2.2 MA-LTC Long-Term Care Partnership Insurance |
| Federal authority | 42 U.S.C. § 1396p(b), Deficit Reduction Act of 2005 |
| Participates | Yes |
| Confidence | High |
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.