Retirement accounts – Retirement accounts, including IRAs, are not counted, provided they are properly structured and the applicant and spouse take regular income distributions from the account.

Properly Structured Immediate Annuities - Those assets entered into properly structured, "Florida Medicaid-Friendly Annuities" are deemed excluded. Medicaid Annuities are frequently used to preserve a family's assets. Medicaid has several requirements that must be met in order for the assets placed into the annuities to be excluded. If care is not taken to properly structure the annuity, the family may run the risk of tying up assets and being declined for Medicaid. As a result, it is imperative to secure the services of a knowledgeable Medicaid practitioner to structure the annuities properly.

Ongoing Business Concerns - Since they generate income for the applicant that is ultimately contributed towards the cost of care as patient responsibility , ongoing business concerns are typically excluded as assets. Other real property that is rented or listed for sale is also excluded.