🏥

Long-Term Care Insurance Cost Calculator

Estimate annual premiums for long-term care insurance (nursing home, assisted living, home health care). Compare buying at 55 vs 65 to see the early-bird savings.

Current age

Age you want benefits to start

Daily benefit amount

Benefit period

⚠️ This calculator provides a ballpark estimate based on industry averages and publicly available data. This is not insurance advice. Compare actual quotes from licensed carriers before purchasing. Full disclaimer.

Frequently asked questions

How much does long-term care cost actually cost?

National averages for 2025: private nursing home room is ~$108k/year, assisted living is ~$54k/year, home health aide is ~$60k/year. Costs vary dramatically by state — California and NY are 2-3x more than midwestern states. And costs rise 3-5% annually with inflation.

Is long-term care insurance worth it?

Yes if: you have $75k-$300k in assets to protect and could afford the premiums for 10+ years. No if: you're already wealthy enough to self-insure the cost, or if your income is tight enough that premiums would cause financial stress. Medicare does NOT cover long-term care.

What's the best age to buy?

Industry consensus: age 50-55 is the sweet spot. Before 50, premiums are very low but you're unlikely to be declined (good health). After 55, each year gets 6-8% more expensive. After 65, it's hard to qualify and premiums are very high.