Can a Married Couple Have Separate Bank Accounts for Medicaid Planning? Separate account titles do not by themselves prevent Medicaid from considering marital resources. Spousal-impoverishment rules can protect resources and income for the community spouse, but the calculation and timing must be documented. Long-term-care decisions mix health, housing, family authority, contracts, public benefits, and years of financial history. Small transactions can have large consequences when a Medicaid application later asks for records, and a rushed transfer can reduce options instead of protecting them. This guide explains the general Ohio framework in plain language and identifies the records and decisions that usually matter most. In this guide A clear answer to…