I Am 57 and Married, How Much Does Long-Term Care Insurance Cost?

What you pay is determined by your age, your health, and how much protection you select when you apply. But, you want a bottom line. A Price Index is done every year and someone age 55 who qualifies for preferred health and spousal discounts may pay $709 per year if they are married for what I would call a base plan of protection today. That about $115,000 in current benefits. With inflation protection coverage, that will grow to over $305,000 in 20 years. That's taking advantage of spousal and preferred health discounts.