Long Term Care Insurance by State
Everything you need to know - and more
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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.
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.
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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 |
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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.
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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