Disability savings

ABLE programs and state differences

ABLE eligibility rules are federal, but state plans differ on fees, investments, debit-card features, account limits, Medicaid recovery treatment and state tax benefits. Many plans accept residents of other states.

2026 eligibility change: disability onset must have been before age 46. A person can open an account at a later age if the onset requirement and disability criteria are met. Compare state plans before enrolling.

State	Home-state plan status	Accepts out-of-state participants?	Tax deduction / credit & current plan details
Alabama	Home-state ABLE program listed	Yes	Open live Alabama ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Alaska	Home-state ABLE program listed	Yes	Open live Alaska ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Arizona	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live Arizona ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Arkansas	Home-state ABLE program listed	Yes	Open live Arkansas ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
California	Home-state ABLE program listed	Yes	Open live California ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Colorado	Home-state ABLE program listed	Yes	Open live Colorado ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Connecticut	Home-state ABLE program listed	Yes	Open live Connecticut ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Delaware	Home-state ABLE program listed	Yes	Open live Delaware ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Florida	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live Florida ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Georgia	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live Georgia ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Hawaii	Home-state ABLE program listed	Yes	Open live Hawaii ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Idaho	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live Idaho ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Illinois	Home-state ABLE program listed	Yes	Open live Illinois ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Indiana	Home-state ABLE program listed	Yes	Open live Indiana ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Iowa	Home-state ABLE program listed	Yes	Open live Iowa ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Kansas	Home-state ABLE program listed	Yes	Open live Kansas ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Kentucky	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live Kentucky ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Louisiana	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live Louisiana ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Maine	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live Maine ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Maryland	Home-state ABLE program listed	Yes	Open live Maryland ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Massachusetts	Home-state ABLE program listed	Yes	Open live Massachusetts ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Michigan	Home-state ABLE program listed	Yes	Open live Michigan ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Minnesota	Home-state ABLE program listed	Yes	Open live Minnesota ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Mississippi	Home-state ABLE program listed	Yes	Open live Mississippi ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Missouri	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live Missouri ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Montana	Home-state ABLE program listed	Yes	Open live Montana ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Nebraska	Home-state ABLE program listed	Yes	Open live Nebraska ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Nevada	Home-state ABLE program listed	Yes	Open live Nevada ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
New Hampshire	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live New Hampshire ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
New Jersey	Home-state ABLE program listed	Yes	Open live New Jersey ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
New Mexico	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live New Mexico ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
New York	Home-state ABLE program listed	Yes	Open live New York ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
North Carolina	Home-state ABLE program listed	Yes	Open live North Carolina ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
North Dakota	Inactive home-state ABLE program	Inactive home-state program — compare other plans	Open live North Dakota ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Ohio	Home-state ABLE program listed	Yes	Open live Ohio ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Oklahoma	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live Oklahoma ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Oregon	Home-state ABLE program listed	Yes	Open live Oregon ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Pennsylvania	Home-state ABLE program listed	Yes	Open live Pennsylvania ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Rhode Island	Home-state ABLE program listed	Yes	Open live Rhode Island ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
South Carolina	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live South Carolina ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
South Dakota	Inactive home-state ABLE program	Inactive home-state program — compare other plans	Open live South Dakota ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Tennessee	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live Tennessee ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Texas	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live Texas ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Utah	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live Utah ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Vermont	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live Vermont ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Virginia	Home-state ABLE program listed	Yes	Open live Virginia ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Washington	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live Washington ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
West Virginia	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live West Virginia ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Wisconsin	Inactive home-state ABLE program	Inactive home-state program — compare other plans	Open live Wisconsin ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.
Wyoming	Home-state ABLE program listed	No / home-state plan does not currently show the + out-of-state marker	Open live Wyoming ABLE review The live state review shows current state income-tax deduction/credit, program link, fees, investment options, account limit and Medicaid recovery information.

Inactive home-state plan does not mean no ABLE access. ABLE NRC currently marks North Dakota, South Dakota and Wisconsin as inactive home-state programs. Residents can compare programs in states that accept out-of-state participants.

Compare current state plans Awareverse ABLE guide

Out-of-state participation markers and inactive-plan status reviewed against ABLE NRC's current 2026 state program map. Tax treatment is deliberately linked live rather than frozen into Awareverse because state tax rules and plan features can change.

ABLE programs and state differences

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