As a person who has worked in the financial planning field with seniors I find part of HB5730 to be very disturbing. The wording seems to indicate that you want to force anyone, married or single, who owns a home and enters the state Medicaid system to get a reverse mortgage. Thereby increasing their income stream and reducing the cost to the state. The state already has the power to use the Estate Recovery lien for single receiptants, but why place this additional burden on the married couple. This will just force all married couples to transfer the home out of their names or resort to more advanced planning avenues well before either spouse is in need of care. I fully expect you to change the spousal allowance from the maximim to the minimum as we are one of a handfull of states that currently allows the maximum spousal allowance currently $90660. Maybe the legislature should investigate the new products that are out there that will guarantee the patient will always remain off of Medicaid even without the purchase of Long Term Care insurance. These new products would help may families to receive private care and also that the patient would never enter the Medicaid syste. A win-win for all.