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Mortgage refinance deals. The San Carlos resident didn't think about it either, until his wife had a stroke. When it comes to long-term care, California might be in denial. It's a massive expenditure, and it's believed it will increase dramatically as baby boomers drop their demographic bomb on the cost of aging. Consumer advocates believe that private insurance could play a significant role in paying for long-term care, but they say California is doing little to monitor the insurance market or to collect data that might help formulate effective policy.