My 24 y.o. daughter had a sudden unexpected liver transplant last year. She will be on my insurance until she is 26. She is having a very hard time, but her liver team is happy with her progress. She has very overwhelming side effects and had to stop working. Again, her team believes her side effects could improve over time and they still believe there's a good chance should could at some point resume full-time work. Among other things, we are all concerned with how she will pay for health insurance once she is 26. The liver transplant social worker has told us not to worry about it yet. My question is this: I'm currently making an estate plan. I know there's no easy answer to this but: would it be a good idea to name my daughter as the beneficiary of a $100k brokerage account with the intention that all the funds would be used to pay for her health insurance moving forward? I know there are many variables, ie: how long I will live. But assume I die soon: is a liver transplant recipient better off financially having a $100k brokerage account dedicated to pay for health insurance, OR is it better for the transplant recipient to NOT have that money in their name so that they can remain eligible for Medicaid-covered insurance? I know not everyone has the option of having a fund like this, but I have no idea if it's worth sacrificing possible access to Medicaid by setting up a plan like that. Any thoughts would be most appreciated.