The earlier you buy long-term care insurance, the less your premiums will cost, but buying too early means you’ll pay premiums for many years before accessing benefits. It also depends on your personal situation. If you’re fairly young, in good health, and don’t have significant negative family medical history, consider waiting to purchase long-term care insurance. If you’re young with poor health or a family history of poor health, or if you are over 50 without a policy, consider purchasing long-term care insurance sooner rather than later.