Long Term Care Insurance by State
(Everything you need to know - and more)
If you’re deciding on a long-term care (LTC) insurance policy, you should know that where you live plays a huge role in how much your policy costs.
The median cost of long-term care in the United States is $100,375 per year. Considering that most individuals need on average three years of care, this number balloons to $301,125. Furthermore, it is projected that by 2028, those same three years of care are expected to cost $404,688--not a small sum no matter which way you look at it.
In this article, we'll explore the costs of long term care in your state to help you make an informed decision for the type of insurance you need.
Our independent agent matching tool will find you the best insurance solution in your area. Tell us what you're looking for and we'll recommend the best agents for you. Any information you provide will only be sent to the agent you pick.
Save on Long Term Care Insurance
Our independent agents shop around to find you the best coverage.
State by State Cost of Long Term Care and Insurance Options
| State | Average Cost of LTC Coverage for 3 Years | Nursing Home (private room) | Assisted Living (private room) | Home Health Aide (44 hours/wk) |
| Alabama | $239,805 | $79,935 | $39,252 | $38,896 |
| Alaska | $1,090,884 | $363,628 | $72,000 | $68,594 |
| Arizona | $284,700 | $94,900 | $45,600 | $53,196 |
| Arkansas | $215,496 | $71,832 | $36,443 | $43,312 |
| California | $353,412 | $117,804 | $54,000 | $59,488 |
| Colorado | $323,988 | $107,996 | $48,000 | $58,916 |
| Connecticut | $494,394 | $164,798 | $56,400 | $52,624 |
| Delaware | $394,200 | $131,400 | $64,200 | $52,624 |
| District of Columbia | $383,250 | $127,750 | $135,450 | $62,920 |
| Florida | $326,310 | $108,770 | $42,000 | $46,904 |
| Georgia | $243,639 | $81,213 | $37,200 | $45,760 |
| Hawaii | $491,655 | $163,885 | $66,000 | $68,460 |
| Idaho | $289,629 | $96,543 | $41,700 | $45,760 |
| Illinois | $243,090 | $81,030 | $48,360 | $51,480 |
| Indiana | $296,745 | $98,915 | $52,620 | $50,336 |
| Iowa | $233,235 | $77,745 | $46,158 | $57,200 |
| Kansas | $211,137 | $70,379 | $54,675 | $48,048 |
| Kentucky | $273,750 | $91,250 | $42,240 | $46,904 |
| Louisiana | $199,509 | $66,503 | $42,600 | $36,608 |
| Maine | $363,540 | $121,180 | $59,400 | $59,488 |
| Maryland | $348,210 | $116,070 | $56,070 | $50,908 |
| Massachusetts | $459,900 | $153,300 | $65,940 | $62,005 |
| Michigan | $328,500 | $109,500 | $46,200 | $52,62 |
| Minnesota | $366,780 | $122,260 | $48,000 | $66,352 |
| Mississippi | $255,135 | $85,045 | $41,910 | $38,89 |
| Missouri | $199,563 | $66,521 | $34,128 | $48,048 |
| Montana | $263,151 | $87,717 | $47,028 | $54,912 |
| Nebraska | $261,573 | $87,191 | $46,131 | $54,912 |
| Nevada | $333,429 | $111,143 | $42,000 | $50,336 |
| New Hampshire | $399,675 | $133,225 | $56,100 | $61,776 |
| New Jersey | $427,050 | $142,350 | $72,780 | $54,912 |
| New Mexico | $274,299 | $91,433 | $51,000 | $45,760 |
| New York | $438,822 | $146,274 | $50,220 | $57,200 |
| North Carolina | $277,584 | $92,528 | $44,318 | $45,188 |
| North Dakota | $420,831 | $140,277 | $39,780 | $61,776 |
| Ohio | $284,700 | $94,900 | $51,336 | $49,192 |
| Oklahoma | $190,530 | $63,510 | $39,900 | $49,718 |
| Oregon | $359,160 | $119,720 | $55,110 | $59,488 |
| Pennsylvania | $364,089 | $121,363 | $45,000 | $51,777 |
| Rhode Island | $350,400 | $116,800 | $52,200 | $61,776 |
| South Carolina | $256,515 | $86,505 | $42,000 | $45,760 |
| South Dakota | $254,589 | $84,863 | $42,000 | $57,200 |
| Tennessee | $246,375 | $82,125 | $47,040 | $45,188 |
| Texas | $235,425 | $78,475 | $45,540 | $45,760 |
| Utah | $273,750 | $91,250 | $40,200 | $50,336 |
| Vermont | $356,424 | $118,808 | $54,000 | $61,776 |
| Virginia | $306,600 | $102,200 | $53,415 | $48,048 |
| Washington | $349,854 | $116,618 | $61,620 | $64,064 |
| West Virginia | $398,580 | $132,860 | $43,425 | $38,896 |
| Wisconsin | $336,438 | $112,146 | $51,600 | $54,912 |
| Wyoming | $271,560 | $90,520 | $50,820 | $57,200 |
Save on Long Term Care Insurance
Our independent agents shop around to find you the best coverage.
Why Go at it Alone?
Consulting an independent insurance agent from TrustedChoice.com can be a wise financial decision for your needs, helping you sort out which types of care you may need for the future as your custodial and daily needs grow.
Use our directory to find an independent agent in your neighborhood.
©2023, Consumer Agent Portal, LLC. All rights reserved.
https://www.genworth.com/aging-and-you/finances/cost-of-care.html
https://www.partnershipforlongtermcare.com
https://www.ltcinsuranceconsultants.com/long-term-care-insurance-states/
http://www.aaltci.org/long-term-care-insurance/learning-center/long-term-care-insurance-partnership-plans.php