Because the One Big Bamboozle Bill cuts $900B out of Medicaid every year for the next 10 years, the states will have to take up the slack.
And because some states have Filial Responsibility Laws on their books, the children of indigent seniors will be held liable for the cost of the care and support of their elderly parents - plus, in some cases, whatever other family members are currently getting help from Medicaid, or are otherwise unable to care for themselves.
This could get crazy stupid bad in a big fuckin' hurry.
Some states have filial responsibility laws that let creditors turn to adult children for payment of their parents' medical bills.
As the cost of health care expenses rise, so does anxiety.
Key Takeaways
- Some states have filial responsibility laws that let creditors turn to adult children for payment of their parents' health care costs.
- Filial responsibility laws need to be triggered before going into effect, and enforcement is rare.
- Collectors may still pursue adult children for their parents' unpaid medical bills.
- Adult children should consider planning ahead for their parents' health care costs with emergency savings and long-term care insurance.
- If you’re like most Americans, handling the vast array of health care expenses is a major financial challenge. As those costs rise, so does anxiety.
It’s one thing to cover your own and your children's bills, but in some cases you may be paying for those of your parents.
Here’s when your parents' care costs may be passed on to you, and how to prepare for those expenses even if you are not legally liable.
Filial responsibility laws were enacted to ensure that adult children will financially support their parents who can’t provide for themselves.
If your state has these statutes, technically it's possible that you would be required to pay for some of your parents' essential care needs when they are unable to do so.
Each state has its own variation of the filial responsibility law. For example, California Family Code section 4400 reads, “Except as otherwise provided by law, an adult child shall, to the extent of the adult child’s ability, support a parent who is in need and unable to self-maintain by work.”
And in Nevada, per NRS 428.070, filial liability is mandated if there is a written agreement to pay for care, the child has control over and access to the parent's assets or income and the child has sufficient financial ability to support the parent.
A couple of quick Google searches:
The connection is not that the OBBB created a new federal filial responsibility law, but rather that critics suggest its significant cuts to social safety net programs like Medicaid and SNAP (Supplemental Nutrition Assistance Program) may lead to existing state filial responsibility laws being enforced more frequently.
How the Laws Interact
- Filial Responsibility Laws (State Level): These are long-standing state laws (some dating back to colonial times) that impose a duty on adult children to support parents who cannot support themselves. Most states have these laws, but they are rarely enforced, with Pennsylvania being a notable exception where nursing homes have successfully sued adult children for unpaid bills.
- The "One Big Beautiful Bill" Act (Federal Level): This federal law, passed in July 2025, extended tax cuts and made significant changes and cuts to federal spending on health and nutrition programs. Key changes include:
An estimated $911 billion in Medicaid spending cuts over the next 10 years.
- New work requirements for able-bodied adults without dependents to receive Medicaid and SNAP benefits.
- Provisions that could result in millions of people losing health coverage.
Advocates and legal experts argue that as federal support for long-term care and health services is reduced, more elderly individuals may become "indigent" (unable to pay for care). When this happens, medical facilities, such as nursing homes, might turn to existing state-level filial responsibility laws to seek reimbursement from the adult children, potentially leaving families with massive, unexpected bills.
For my home peeps:
Colorado does not have filial responsibility laws, meaning adult children are not legally required to financially support their indigent parents under this type of law. Therefore, a nursing home cannot directly sue an adult child for their parent's unpaid bills in Colorado. However, there are exceptions where adult children could be held responsible for their parent's debt, such as if they signed a contract as a guarantor for a care facility or if they jointly own assets with the parent.
Key points about filial responsibility laws in Colorado
- No direct legal obligation: Colorado does not have a law that mandates adult children support their parents financially to the same extent as states with filial responsibility laws.
- Nursing home contracts: If a nursing home or other care facility requires a family member to sign a contract and act as a guarantor for the parent's bills, the family member may become personally liable for those costs, even if the state does not have a filial responsibility law.
- Jointly owned assets: If you and your parent jointly own assets, like a house or bank account, the state may take action against those assets to recover costs paid by Medicaid after the parent's death, which could affect your inheritance.
- Medicaid estate recovery: The state's Medicaid estate recovery program is separate from filial responsibility laws. It allows the state to seek repayment of Medicaid benefits from the parent's estate after their death. This can reduce or eliminate what an adult child inherits.
States with Filial Responsibility Laws (as of 2025):
- Alaska
- Arkansas
- California
- Connecticut
- Delaware
- Georgia
- Idaho
- Indiana
- Iowa
- Kentucky
- Louisiana
- Maryland
- Massachusetts
- Mississippi
- Montana
- Nevada
- New Hampshire
- New Jersey
- North Carolina
- North Dakota
- Ohio
- Oregon
- Pennsylvania
- Rhode Island
- South Dakota
- Tennessee
- Utah
- Vermont
- Virginia
- West Virginia





















