Long-Term Care Insurance Premium Estimator 2027

Estimate LTC insurance premium for 2027 by age, daily benefit, inflation rider, and benefit period — compare with self-insurance and hybrid life/LTC products.

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LTC Cost Reality 2026

Average nursing home semi-private: $109k/yr ($299/day). Private room: $129k/yr. Home health aide: $75k/yr. Average length of need: 2.5 years for women, 1.5 men. Self-fund requires ~$400-600k liquid.

Traditional LTC Premiums

Use-it-or-lose-it. Pay $3-6k/yr for life. If you never need care, premiums wasted. Insurer can raise premiums 10-20% in some states with state approval. Most companies have.

Hybrid Life/LTC

Single premium ($50-100k) OR annual premium ($5-10k). Pays LTC benefits during life. Pays death benefit if LTC unused. Solves use-it-or-lose-it. Costs 30-50% more total.

Self-Insurance Math

Need ~1.5x your expected LTC pool in liquid assets. For 3-year stay at $200/day = $219k care, you need ~$330k earmarked. Most people don't have this on top of regular retirement.

Source: naic.org Long-Term Care Insurance 2026 Buyer Guide, aaltci.org statistics. Last updated: May 2026.