A New Federal Law Just Changed the Medicaid Rules. Florida and Minnesota Homeowners Need to Read This Before It Is Too Late.
Three weeks ago I sat across from a couple in their early sixties in my Minnesota office.
He had just retired. She was planning to retire later that year. They had spent thirty years building a financial plan — saving carefully, doing everything right.
During our meeting, he had to stop several times to hold back tears.
His wife had just been diagnosed with early onset dementia.
They had no long-term care plan. No estate plan. And the very real possibility that her illness could wipe out everything they had built over thirty years — including the home they had lived in for decades.
I wrote this guide for them. And for every family in Florida and Minnesota facing exactly this kind of fear.
My name is Chuck Roulet. I am an estate planning and elder law attorney licensed in both Florida and Minnesota — with nearly thirty years of experience helping families protect their homes and life savings from the devastating costs of nursing home care.
Most attorneys can only see one side of this problem. Because I am licensed in both states, I can see the whole picture. And what I see concerns me — especially right now.
|
IMPORTANT: THE RULES JUST CHANGED On July 4, 2025, the One Big Beautiful Bill Act was signed into law. It made significant changes to the Medicaid rules that directly affect homeowners in Florida and Minnesota. This updated 2026 edition of Save Our Home reflects those changes and tells you exactly what your family needs to do now. |
Here Is What the 2026 Save Our Home Guide Reveals:
- The #1 mistake families make that accidentally disqualifies them from the Medicaid benefits they desperately need — and how to make sure you haven’t already made it.
- Why giving money to your children to ‘protect’ it is one of the most dangerous things you can do — and what to do instead.
- The truth about Medicare and nursing home costs that most families don’t discover until it is too late to do anything about it.
- Why your will and your revocable trust provide zero protection from nursing home costs — and the specific type of trust that does.
- What the new federal law changed about Medicaid in 2025 — and why the five-year clock your family needs to start is running right now.
- The critical difference between Florida and Minnesota’s Medicaid rules — and why a plan that works in one state may leave your assets in the other completely exposed.
How families who plan correctly keep their homes. Real stories. Real outcomes.
"When dad was diagnosed with dementia, his biggest fear wasn't the disease. It was that mom would be left with nothing.
Chuck assured us that not only would mom be okay — dad would get the care he needed too. He walked us through everything and put a plan in place that protected both of them.
We're still living with dad's diagnosis every day. That part doesn't get easier. But knowing the legal planning is done — that mom is protected, that dad's care is covered — has been an enormous weight off our entire family.
We only wish we had called sooner."
— Adult children of a client, Minnesota
Get Your Free Copy Now
Fill out the form below and receive your free copy of the 2026 Save Our Home guide immediately. You will also receive information about scheduling a private consultation with Chuck to review your specific situation.
Florida and Minnesota both have a five-year Medicaid lookback period. Every month you wait is a month of potential protection lost.
The best time to plan was five years ago. The second best time is today.
Your information is never sold or shared with third parties. You will receive your free guide immediately. That is our only commitment to you until you ask for more.
Questions before you download? Call us directly.
Minnesota: 763-420-5087 • Florida: 941-909-4644
Jackie will be happy to answer any questions and help you schedule a consultation with Chuck.
To receive your free guide, please complete the form below.
