How Much Does Long-Term Care Insurance Cost in California?
California pricing is above the national average. Updated for 2026.
Long-Term Care Insurance Pricing in California
In California, the average cost for long-term care insurance is $338 per month, which is 35% higher than the national average of $250. Most California residents pay between $135 and $810.
California has a higher cost of living than most states, which translates to higher labor rates and material costs. Urban areas within California may be even higher.
Long-term care insurance covers the cost of nursing homes, assisted living, home health aides, and adult daycare if you can no longer perform daily activities independently. Policies typically pay $150-$350/day.
California vs National Average
What Affects Long-Term Care Insurance Cost in California?
Age
Age 50: $100-$200/month. Age 60: $200-$400/month. Age 70: $400-$800+/month
Coverage
$150/day for 3 years: $100-$250/month. $250/day for 5 years: $200-$500/month. Unlimited: $400-$800+/month
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💡 Tips to Save on Long-Term Care Insurance in California
- 1.Buy in your 50s — premiums double every 10 years of delayed purchase
- 2.Couples discounts save 20-30%
- 3.Shared-care policies let couples share a pool of benefits
- 4.Hybrid life/LTC policies offer both death benefit and LTC coverage
📈 Long-Term Care Insurance in California Cost Trends (2020–2024)
Prices have increased +17.4% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $288 | — |
| 2021 | $300 | +4.2% |
| 2022 | $319 | +6.3% |
| 2023 | $328 | +2.8% |
| 2024 | $338 | +3.0% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Long-Term Care Insurance in California
Recent Reports
Frequently Asked Questions
At what age should I buy long-term care insurance?
The sweet spot is ages 55-65. Buying earlier means lower premiums but more years of paying. After 65, premiums increase dramatically and you may not qualify if health issues arise.
Long-Term Care Insurance Cost in Other States
Related Cost Guides for California
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