How Much Does It Cost For Long Term Care Insurance? 
The cost of long-term care insurance has gone up dramatically in the last 10 years . To get an affordable policy for the average person today is a real challenge for the agent . The middle class consumer has , essentially , been priced out of the market for policy designs that were frequently used 10 years ago . To get an affordable policy , the agent has to think outside the box , and the middle class consumer has to understand the value of long-term care insurance . 1 . No long-term care policy can promise to pay for all of one 's potential end-of-life health care costs , no matter how muchone pays . 2 . Conventional designs are no longer valid for the vast majority of those that want an affordable LTC insurance policy . 3 . Long-term care insurance , however , is still a very important consideration . For a base policy , figure on it costing between $ 200 - $ 400/month depending on age . 4 . Even if the policyone can afford might only pay for 1/3 to 1/2 ofone 's projected costs , it would be worth it . It 's not just about cost , although that is an important factor . LTC insurance is for the caregiver , not the insured . The entire immediate family - and sometimes the extended family - is affected by an elderly loved one that ca n't take care of routine , daily activities , and needs attention 24/7 . The emotional , psychological , and physical energy expended collectively can be a huge impact to the caregiver -LRB- s -RRB- . Being able to afford even a short break now and then from caregiving can be the difference between the caregiver remaining healthy or getting sick as well . That 's the value of long-term care insurance . Some is better than none . 