What would long-term care cost you?
Most people turning 65 will need some long-term care, and Medicare pays for very little of it. See what care costs in your state, what it could cost when you need it, and who ends up paying.
- Cost today in your state$0
- Same care when it begins$0
- Monthly, when it begins$0
- Total for 3 years$0
What each type of care costs today
| Care | State | National |
|---|
Four ways the bill gets paid
Every family ends up using one or more of these. The difference is whether it is chosen ahead of time.
A long-term care plan is a plan for your family, too.
Most families don't decide how care will be paid for until a crisis decides for them. Looking at it now, while every option is still available, usually means more choices, less spent, and less put on the people you love.
Assumptions and limits. Costs are statewide median annual costs from the CareScout Cost of Care Survey 2025 (data collected July to November 2025): in-home caregiver at 44 hours a week, scaled to the hours you enter; adult day care 5 days a week; assisted living private one-bedroom; nursing home daily rate times 365. Costs in a specific city or facility can be much higher or lower than the state median. Future costs grow at the rate you enter; from 2020 to 2025 national costs grew about 4.1% to 4.3% a year for nursing homes and about 7.6% to 7.8% a year for assisted living and in-home care, a period that included unusual post-pandemic inflation. Your savings are assumed to earn nothing while care is paid, which is conservative. Probability and duration statistics are from the U.S. Department of Health and Human Services. Medicaid rules shown are general 2026 figures by state and change often; asset limits, home equity limits, spousal protections, look-back rules, and estate recovery vary and must be confirmed with your state. This tool is general education, not legal, tax, or insurance advice, and it is not a recommendation of any insurance product.