Long-term care costs and regulations vary significantly by state. Use this guide to understand the average costs in your state, then contact Dan Walsh for a personalized plan that fits your needs.
State-by-State Long-Term Care Costs
The table below shows average annual costs for long-term care services in each state. These figures represent the daily or monthly rates compiled from the latest Genworth Cost of Care Survey and state-specific data.
Source: Genworth 2024 Cost of Care Survey. Costs are annual averages and may vary by region within each state. Contact Dan Walsh for a personalized cost assessment and coverage plan tailored to your specific situation.
Medicaid Partnership Programs by State
Most states participate in the Long-Term Care Partnership Program, which allows you to protect assets equal to the amount your policy pays out. This means if your policy pays $200,000 in benefits, you can shield $200,000 in assets from Medicaid spend-down requirements.
The following states participate in the Partnership Program. If your state is listed, you may qualify for enhanced asset protection when you purchase a qualified policy.
- ✅ Alabama
- ✅ Alaska
- ✅ Arizona
- ✅ Arkansas
- ✅ California
- ✅ Colorado
- ✅ Connecticut
- ✅ Delaware
- ✅ Florida
- ✅ Georgia
- ✅ Hawaii
- ✅ Idaho
- ✅ Illinois
- ✅ Indiana
- ✅ Iowa
- ✅ Kansas
- ✅ Kentucky
- ✅ Louisiana
- ✅ Maine
- ✅ Maryland
- ✅ Massachusetts
- ✅ Michigan
- ✅ Minnesota
- ✅ Mississippi
- ✅ Missouri
- ✅ Montana
- ✅ Nebraska
- ✅ Nevada
- ✅ New Hampshire
- ✅ New Jersey
- ✅ New Mexico
- ✅ New York
- ✅ North Carolina
- ✅ North Dakota
- ✅ Ohio
- ✅ Oklahoma
- ✅ Oregon
- ✅ Pennsylvania
- ✅ Rhode Island
- ✅ South Carolina
- ✅ South Dakota
- ✅ Tennessee
- ✅ Texas
- ✅ Utah
- ✅ Vermont
- ✅ Virginia
- ✅ Washington
- ✅ West Virginia
- ✅ Wisconsin
- ✅ Wyoming
State-Specific Considerations
Each state has unique regulations that can affect your long-term care planning. Here are some notable state-specific factors:
High-Cost States
States like Alaska, New York, Massachusetts, and Connecticut have the highest nursing home costs, often exceeding $150,000 per year. Residents in these states should consider higher benefit amounts to keep pace with local costs.
Lower-Cost States
States in the South and Midwest, including Arkansas, Mississippi, Oklahoma, and Louisiana, have some of the lowest costs. A $150,000 hybrid policy can go much further in these states.
Partnership States
All 50 states now participate in the Medicaid Partnership Program. New York, California, and Connecticut have especially generous partnership provisions that offer unlimited asset protection.
Meet Dan Walsh — Your Long-Term Care Specialist
Dan Walsh has been helping families navigate long-term care planning since 1997. As the founder of MD Life Insurance, he specializes in finding the right long-term care solution for your specific state and situation.
Dan works with all 50 states and understands the unique regulations, costs, and partnership programs in each. Whether you’re in a high-cost state like New York or a lower-cost state like Arkansas, he can help you design a plan that protects your assets and your future.
Ready to Get a State-Specific Plan?
Don’t let the complexity of state regulations stop you from protecting your future. Contact Dan Walsh today for a free, no-obligation consultation customized to your state and your needs.
📧 dwalsh@mdlifeins.com | 📍 Serving clients in all 50 states