When Should You Buy Long Term Care Insurance? 
You Should Buy Long Term Care Insurance when youre young and in good health . But most Americans under the age of 50 consider it too early in their life for consideration because of other more pressing midlife financial events or commitments to come . The general rule of thumb is age 50 , but most purchase at age 60 . A 60 year old nonsmoking male and female in good health will pay $ 300 a month for a long term care insurance policy . 