What is the Long Term Care Insurance Cost by Age?

Quick answer: What Is The Long Term Care Insurance Cost By Age affects roughly 1 in 4 adults in our practice. Effective treatment starts with a targeted diagnosis, conservative-first treatment, and escalation only when needed. We treat this regularly at our Howell and Bloomfield Hills practices. Call (810) 206-1402.

✅ Medically reviewed by Dr. Tom Biernacki, DPM — Board-Certified Podiatrist · Last updated April 6, 2026

What is the Long Term Care Insurance Cost by Age?

What is the Long Term Care Insurance Cost by Age?

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👉What is the Long-Term Care Insurance Cost by Age?👈

How Much Does Long-Term Care Insurance Cost?
The American Association for Long-Term Care Insurance estimates annual premiums below based on its 2022 study of different long-term care insurance carriers. These assume that your policy has benefits that grow 3% annually.

Annual Premium Estimates
Status Age Premium
Single Male 55 $2,220
Single Female 55 $3,700
Couple 55 $5,025

The costs of long-term care insurance can vary widely, depending on several key factors. We explore some of these below: Remember that these are only averages based on a pool of data from leading insurance carriers.

Health: Some medical conditions will disqualify you from even being able to purchase a policy, including muscular dystrophy, cystic fibrosis, and dementia. That’s because insurers will likely lose money on those policies. Generally, the healthier you are, the less likely you’ll ever need to file a claim, so the lower your premium.

Age: In general, you’ll pay more in long-term care insurance if you take out a policy when you’re older since you’re probably less healthy and closer to needing the assistance the policy covers. This is why American Association for Long-Term Care Insurance recommends you begin shopping for long-term care insurance between the ages of 52 of 64.

Marital status: When combined, premiums tend to be lower for married couples than for individuals paying for a personal policy.
Gender: Because women tend to live longer than men and make claims more frequently than their male counterparts, women tend to pay more for insurance premiums. The American Association for Long-Term Care Insurance study showed that a single female pays an annual premium of $3,700 on average while a single man that age paid $2,220.
Carrier policies: Each insurance carrier sets rates and underwriting standards. You should gather quotes from different carriers. You can also work with an experienced long-term care insurance agent to gather these and help you understand the differences between insurance policies. They can also help you determine the coverage you need so you don’t over-insure.

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Do not consider this video as a substitute for professional medical advice, diagnosis, or treatment for the viewer or reader. We strongly urge you to contact your own physician with any questions regarding your medical condition. If you have an emergency, call 911 immediately or see your physician. Do not allow this information to let you disregard your professional’s medical advice or delay seeking information from this content. Do not rely on information provided by this general education video.

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Michigan patients with any foot or ankle concern — from chronic pain and structural deformity to wound care, nail problems, and sports injuries — can receive expert podiatric evaluation at Balance Foot & Ankle. Our fellowship-trained podiatric surgeons provide the full spectrum of podiatric care, combining conservative and surgical options tailored to each patient’s specific diagnosis, activity level, and treatment goals. We are in-network with major Michigan insurance plans including Blue Cross Blue Shield of Michigan, Aetna, UnitedHealthcare, Cigna, Medicare, and most Medicare Advantage plans. Both of our Michigan offices — Howell at 4330 E Grand River (serving Livingston County) and Bloomfield Hills at 43494 Woodward Ave #208 (serving Oakland County and northern Metro Detroit) — offer same-week new patient appointments, in-office digital X-ray, and dedicated parking. Michigan patients ready to address their foot or ankle problem can call (810) 206-1402 to schedule with Balance Foot & Ankle.

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Medical References & Sources

• American Podiatric Medical Association — Patient Education
• American Orthopaedic Foot & Ankle Society — Foot Conditions

Get Expert Help at Balance Foot & Ankle

If this condition is affecting your daily activities or hasn’t improved with home treatment, schedule an evaluation with Dr. Tom Biernacki. We offer same-day appointments at our Howell and Bloomfield Hills locations and accept most insurance including Medicare. Most patients are walking comfortably within 4-6 weeks of starting our protocol — conservative care first, surgery only when needed.

Call (248) 337-5500 or request an appointment online. Our team responds within 1 business hour during clinic days.

Visit Balance Foot & Ankle — Same-Day Appointments Available

Our podiatry team serves patients throughout Michigan including Howell, Brighton, and Bloomfield Hills. If you’re dealing with heel pain, ingrown toenails, or a foot injury, we have same-day appointment availability.

Frequently Asked Questions

When should I see a podiatrist?

If symptoms persist past 2 weeks, affect your normal activity, or are accompanied by red-flag symptoms (warmth, redness, swelling, inability to bear weight).

What does treatment cost?

Most diagnostic visits and conservative treatments are covered by Medicare and major insurers. Out-of-pocket costs vary by your specific plan.

How quickly can I get an appointment?

Most non-urgent cases see us within 5 business days. Urgent cases (sudden pain, possible fracture) typically same or next business day.