For most people, long-term care insurance is affordable. However, several factors impact the cost of a policy, including your age, health, and policy design. Annual premiums are typically much less than paying for one month of long-term care services out of your pocket. Below are the average monthly costs of long-term care insurance by purchase age for $165,000 in level benefits, without annual inflation growth. These rates are based on select health rather than preferred health which has the lowest cost.