How Much Does Long-Term Care Insurance Cost in Tulsa, OK?
Tulsa pricing is 18% below the national average. Updated for 2026.
Based on local labor rates, humid-subtropical climate conditions, and Tulsa's energy-aerospace-healthcare economy.See our methodology
Long-Term Care Insurance Pricing in Tulsa, OK
Tulsa is one of the more affordable markets for long-term care insurance, with costs running about 18% below the national average. The city's energy-aerospace-healthcare economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 400K-population metro area is straightforward.
Local climate plays a direct role in long-term care insurance costs here. Tornado alley location affects insurance and building standards; hot summers drive HVAC demand; severe storms create periodic repair surges.
Market-specific factors matter in Tulsa: energy sector economy creates boom-bust cycles affecting contractor availability; overall affordable market.
Tulsa has moderate permitting requirements. Depending on the scope of your long-term care insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Tulsa vs National Average
What Affects Long-Term Care Insurance Cost in Tulsa?
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
Tulsa Market Conditions
energy sector economy creates boom-bust cycles affecting contractor availability; overall affordable market
Local Climate Impact
tornado alley location affects insurance and building standards; hot summers drive HVAC demand; severe storms create periodic repair surges
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Top-Rated Long-Term Care Insurance Pros in Tulsa, OK
6 providersApex Plumbing
⭐ PREMIUMServing Tulsa and surrounding areas since 1996. Licensed, insured, and committed to quality workmanship at fair prices.
Elite Plumbing
⭐ PREMIUMServing Tulsa and surrounding areas since 1999. Licensed, insured, and committed to quality workmanship at fair prices.
Apex Roofing & Siding
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Tips to Save on Long-Term Care Insurance in Tulsa
- 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 Tulsa Cost Trends (2020–2024)
Prices have increased +17.1% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $175 | — |
| 2021 | $182 | +4.0% |
| 2022 | $194 | +6.6% |
| 2023 | $199 | +2.6% |
| 2024 | $205 | +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 Tulsa
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.
Why does long-term care insurance cost different in Tulsa than other cities?
Tulsa's costs reflect local labor rates driven by the energy-aerospace-healthcare economy, humid-subtropical climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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