Why Is Long Term Care Insurance So Expensive? 
Long Term Care Insurance is priced to cover the costs incurred by Long Term Care policyholders . People live longer lives than ever before , and even many young people are now sustained by long term care services . Health care in America can do wonderful things , but it comes at a price . If insurance companies do not charge enough to pay for claims made on their policies , their policies are worthless . Unfortunately , these costs are reflected in premiums . But when compared with the actual benefit received , the premiums are not as expensive as they seem . 