Long-Term Care by State (2026)
Planning for long-term care is one of the most important financial decisions seniors and their families face. Our state-by-state guides cover long-term care insurance options, Medicaid planning and spend-down strategies, nursing home costs, the 5-year Medicaid look-back period, hybrid life/LTC policies, and how to protect assets while qualifying for assistance.
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Select Your State
Choose your state below for localized information, costs, eligibility details, and resources specific to where you live.
Frequently Asked Questions
The national median cost varies by care type: home health aide ~$5,700/month, assisted living ~$4,500/month, and nursing home ~$8,000-$9,000/month for a semi-private room. Costs vary significantly by state and region.
The Medicaid look-back period is 5 years (60 months) in most states. Medicaid reviews all asset transfers made during this period when you apply for long-term care coverage. Gifts or transfers below fair market value during this period can result in a penalty period of ineligibility.
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