Care prices are local, and they climb every year. Start with real numbers for your state before you decide how to cover them.
Average cost of one year of in-home care, at 44 hours a week.
Average year in a nursing home today.
What that same nursing home year is projected to cost in twenty years.
Use the calculator below to swap these averages for the real cost of care where you live.
It shows the size of the risk and the pieces that move it. What a plan costs you depends on your age, health, and how the benefits are designed.
Costs vary widely by region, and by city inside the same state.
In-home, assisted living, and nursing care each carry their own annual price.
Project the cost to the year you are likely to need care, not today.
That figure is what a plan has to cover. We work backward from there.
Powered by CareScout, using national survey data on care costs by state and care type.
A real plan still has to account for underwriting, benefit design, and inflation protection. That part is a conversation.
Explore your options →Nationwide, "Compare long-term care costs from state to state," accessed July 12, 2024. CareScout Cost of Care Survey, carescout.com/cost-of-care. Results shown are illustrations only and will vary. They are not a policy illustration, premium quote, guarantee of benefits, or determination of eligibility.