Is Long-Term Care Insurance Worth It in 2026?
By 2026, a single year of nursing home care in the US is projected to cost upwards of $114,000. This isn't just for a few people. Roughly 70% of Americans turning age 65 today will need some form of long-term care in their lifetime.
So, is long-term care insurance (LTCi) worth it in 2026? For many middle to upper-middle-income individuals and couples, it's a critical tool for protecting retirement savings. Without it, the high costs of care can quickly deplete a lifetime of financial planning.
However, it's not a one-size-fits-all solution. Your decision depends heavily on your current assets, income, health, and family situation. Understanding these factors is key to determining if LTCi fits into your 2026 financial strategy. 
