Florida Medicaid Transfer Penalty Divisor: $10,438 a Month

Updated August 27, 2026. Quick answer: Florida divides transfers by $10,438 a month, the divisor rate effective January 1, 2024. It is lower than the $10,809 rate that preceded it, which is unusual and is what the state publishes.

The figure Florida publishes

How the penalty period is calculated

• Divide the uncompensated value of the transfer by the average monthly private pay nursing home rate in effect, which Florida’s appendix labels the divisor rate.
• Florida states the divisor per month rather than per day, so the result is a number of months rather than days.

Once you have the figure above, the Medicaid penalty period calculator does the arithmetic. This page is the Florida rate record; the calculator is the class parent.

What this page does not settle

• The January 1, 2024 rate is the most recent row Florida publishes in this appendix. It is lower than the August 1, 2022 rate above it, and the appendix gives no explanation for the decrease.
• The appendix lists rates back to June 1, 2006; only the four most recent are reproduced here.
• The separate step-by-step test for whether a transfer is penalised at all is in Appendix A-8, not in this rate appendix.

Eligibility is decided by the state agency on the whole file, not by this one number. Nothing here is legal advice, and no one should transfer, retitle or give away property on the strength of a worksheet.

Source

Florida DCF ESS Policy Manual, Appendix A-35, Average Monthly Private Pay Nursing Home Rate — retrieved and checked against the state text on August 27, 2026.