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Your Savingsor Your Health
How Asset Limitations Harm Low Income People What Can Be Done to Eliminate the Medicaid 
Asset Test 
Prepared by
Michael Holland
 
A report by the
Public Policy and Education Fund of New York
May, 2001
 
 
Acknowledgments
This report was prepared by the Public Policy and Education Fund of New York (PPEF)with generous support from the Cummings Foundation. Additional support for PPEF’shealth policy research on coverage issues comes from the Public Welfare Foundation,the United Hospital Fund, J.P. Morgan, the W.K. Kellogg Foundation, the Families USAFoundation and the New York Community Trust.PPEF would like to express its appreciation to its funders and the people who helpedwith the preparation of this report, in particular Ellen Yacknin and Kristen Brown of theGreater Upstate Law Project, who contributed legal research and developed theappendices."Your Savings or Your Health" © was written by Michael Holland with assistance fromChristy Margelli, Joy Gould and Richard Kirsch. "Your Savings or Your Health" is apublication of the Public Policy and Education Fund of New York, 94 Central Avenue,Albany NY 12206, (518) 465-4600.
 
 
Table of Contents
Executive Summary 1Introduction 2The Importance of Assets 4Academic Research Related to Asset Accumulation 6The Importance of Health Coverage 9Federal Laws Regarding the Medicaid Asset Test 10Limitations in States that Retain the Asset Test for Parents in Low-Income Families 10State Initiatives to Eliminate the Asset Test 11Other Coverage Expansions 14Public Opinion 18Conclusion 19Appendix A: States that Retain Medicaid Asset LimitationsAppendix B: Resource Limitations in New York State's Medicaid and Medicaid Expansion ProgramsList of Works Cited
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