Looking to the future, would an individual account held for many years be subject to the look back period if a spouse was in a nursing home applying for Medicaid?
Is the spouse with the accounts the one who is applying for Medicaid?
Or do you mean the non-applicant spouse?
If the account is in the name of the person who is applying for Medicaid and it's within that person's state lookback period, then yes.
If it is in the non-applicant spouse's name (only), then no.