Who Should Not Get Long Term Care Insurance? 
People who have very few assets and/or income should probably not get long term care insurance . If there are immediate needs that will go unmet because you are concerned about a possible long term care stay in the future , then the cost of long term care insurance may not be worth it . Also , if you may perhaps go on Medicaid in the future , even without needing long term care services , you should not purchase long term care insurance , in most situations . 