An ABLE account is a special savings account for eligible people with disabilities, helping them save money for everyday needs and future goals. In many cases, people with disabilities can save money without losing important benefits like Medicaid or Supplemental Security Income (SSI). The savings in ABLE can be used for many disability-related expenses such as living at home, school, transportation, healthcare, or emergencies. ABLE accounts provide avenues for families and individuals with disabilities gain more financial independence.
Save Money. Build Your Future.
Learn more about what ABLE Accounts are and how they support people with disabilities with the commonly asked questions below. Then, check out NACDD’s national program directory and explore ABLE programs across the United States and find the one that works best for you.
Why Open an ABLE Account?
An ABLE account can help you:
- Save money for the future.
- Pay for everyday living expenses.
- Prepare for emergencies.
- Save for housing, education, or transportation.
- Pay for healthcare and disability-related needs.
- Build greater financial independence.
- Accept gifts or contributions from family and friends.
Who Can Open an ABLE Account?
You may be eligible if:
- You have a qualifying disability.
- Your disability began before age 46.*
*The ABLE Age Adjustment Act expanded eligibility beginning January 1, 2026.
Not sure if you qualify? Your state’s ABLE program can help you understand the eligibility requirements.
What Can You Use the Money For?
Money in an ABLE account can be used for many expenses that support your health, independence, and quality of life.
Common expenses include:
- Housing
- Rent and utilities
- Food
- Transportation
- Education
- Employment support
- Healthcare
- Medical expenses
- Assistive technology
- Personal support services
- Financial and legal services
- Basic living expenses
Many everyday expenses may qualify.
Compare State ABLE Programs
Every state ABLE program is different.
You can compare programs based on:
- Eligibility
- Account features
- Investment options
- Fees
- Customer service
- State tax benefits
Many programs allow people from other states to enroll.
Frequently Asked Questions
Can family and friends contribute? Yes. Parents, grandparents, siblings, friends, employers, and others can contribute to an ABLE account.
Can I open an ABLE account in another state? Often, yes. Many state programs accept residents from across the country.
Will an ABLE account affect my benefits? ABLE accounts are designed to help eligible people save money while maintaining access to many public benefits. Program rules apply.
Can I have both an ABLE account and a Special Needs Trust? Yes. Many people use both as part of their financial planning.
Find an ABLE Program
Choosing an ABLE account is an important step toward financial independence. Use our national directory to compare state programs, learn about your options, and start saving for the future.
Alabama
Alabama ABLE Savings Plan
Alaska
Alaska ABLE Program
Arizona
AZ ABLE
Arkansas
Arkansas ABLE
California
CalABLE
Colorado
Colorado ABLE
Connecticut
ABLE CT
Delaware
DEPENDABLE
District of Colombia
DC ABLE
Florida
ABLE United
Georgia
Georgia STABLE
Hawai'i
Hawaii ABLE Savings Program
Idaho
Idaho ABLE Savings Program
Illinois
Illinois ABLE
Indiana
INvestABLE Indiana
Iowa
IAble
Kansas
Kansas ABLE Savings Plan
Kentucky
STABLE Kentucky
Louisiana
Louisiana ABLE Account Program
Maine
ABLE ME
Maryland
Maryland ABLE
Massachusetts
The Attainable Savings Plan
Michigan
MiABLE
Minnesota
Minnesota ABLE Plan
Mississippi
Mississippi ABLE Program
Missouri
MO ABLE
Montana
Montana ABLE
Nebraska
Enable Savings Plan
Nevada
ABLE Nevada
New Hampshire
NH ABLE PLan
New Jersey
NJ ABLE
New Mexico
ABLE New Mexico
New York
NY ABLE Savings Program
North Carolina
NC ABLE
North Dakota
ABLE Plan for North Dakota
Ohio
STABLE Account
Oklahoma
Oklahoma STABLE
Oregon
Oregon – ABLE for ALL Savings Plan
Pennsylvania
PA ABLE Savings Program
Rhode Island
RI’s ABLE
South Carolina
Palmetto ABLE Savings Program
South Dakota
South Dakota ABLE
Tennessee
ABLE TN
Texas
Texas ABLE Program
Utah
ABLE Utah Savings Plan
Vermont
Vermont ABLE
Virginia
ABLEAmerica
Washington
Washington State ABLE
West Virginia
WVABLE
Wisconsin
No program – eligible Wisconsin residents may open an account with another state that accepts non-residents into its program.
Wyoming
WYABLE
