The Best Long-Term Care Insurance Companies of 2026

Wondering who offers long-term care insurance and how to find the best policy for your needs? You're in the right place. Long-term care insurance is designed to cover ongoing medical treatments and care that lasts for an extended period of time, and it's important to find an insurer with a great reputation for providing quality, reliable coverage. This coverage is critical for aging adults, seniors, and their families, and choosing the right insurance provider can affect your policy's cost and the amount of benefits you receive.

When you're ready to buy a policy, an independent insurance agent can help you find coverage from any of the best long-term care insurance companies. Your agent has access to several top-rated long-term care insurance providers in your area. But first, you can use our guide to the best long-term care insurance providers in 2026 to find the right coverage.

What Is Long-Term Care Insurance?

Long-term care (LTC) insurance is a type of policy designed to cover many different long-term care services that can help aging and chronically ill adults and seniors with daily activities such as eating, bathing, and dressing. These services can also include supervision for severe disabilities and diseases. You can use long-term care insurance to pay for services rendered at your home, nursing homes, or adult day care facilities. 

Who Sells the Best Long-Term Care Insurance in 2026?

Here are some of the best long-term care insurance companies this year. An independent insurance agent can help you obtain a long-term care insurance policy from any of these outstanding carriers and compare quotes from several insurers to find the best deal. 

How Do I Choose the Best Long-Term Care Insurance Provider?

When you compare long-term care insurance providers, you'll want to consider each insurer's financial strength, reputation, and customer reviews, which can easily be found online. An independent insurance agent can also help you compare coverage from multiple insurers in your area, and they know which carriers have a great reputation for offering quality long-term care insurance. 

Your agent can also help you compare policy options and review important coverage features such as benefit triggers, inflation protection, and the elimination period. 

What Is Hybrid Long-Term Care Insurance?

Hybrid long-term care insurance is also sometimes called hybrid life insurance with an LTC rider. These policies combine life insurance, which provides a death benefit payout to your chosen beneficiaries if you pass away during the policy's term, and long-term care insurance, which can pay for treatment and care at home or at an assisted living facility. Essentially, hybrid life insurance and LTC insurance policies offer living benefits and death benefits.

Nationwide is the best hybrid long-term care insurance and life insurance policy provider this year. The carrier's CareMatters and CareMatters Together coverage offers a combination of life insurance and LTC benefits. 

Thanks to the cash indemnity feature, policyholders also enjoy the benefit of getting the full cash value of the policy upfront, so they don't have to wait for reimbursement. The maximum coverage benefit is up to $20,000 per month, and this coverage is available for adults aged 30 to 75.

How Much Does Long-Term Care Insurance Cost?

The average cost of long-term care insurance can range from $70 to $533 per month, but your policy's premiums will vary based on your age, gender, location, and health status. Typically, the younger and healthier you are when you first buy coverage, the lower your premiums will be. 

However, premium rates can change over time as you age, inflation worsens, and your health issues amplify. An independent insurance agent can help you find affordable long-term care insurance near you.

Is Long-Term Care Insurance Worth It?

Determining whether having LTC insurance is worth it depends on your unique circumstances, in terms of both health and finances. Long-term care insurance may not make sense for you if you're in good health and don't have a family history of genetic disorders. Additionally, if you already have substantial savings set aside and don't foresee long-term care creating financial strain, you might not need this coverage.

However, for many individuals, long-term care insurance can be well worth it as they age. If you anticipate needing LTC services for health issues after retirement, having long-term care insurance can be especially important. An independent insurance agent can further advise you on whether LTC is worth it for you.

How Can I Get a Long-Term Care Insurance Quote?

You can get quotes for long-term care insurance online or with the help of an independent insurance agent. These agents have access to several of the best long-term care insurance providers, so they can quickly shop and compare policies and rates for you. Your agent can also advise you on who sells the best long-term care insurance in terms of not only cost, but quality and reliable coverage you can count on when you need it. 

How Can an Independent Insurance Agent Help?

Independent insurance agents have access to multiple long-term care insurance companies, so they're free to shop and compare policy options and quotes for you to find the best deal. They'll make sure you walk away with a policy that includes all the coverage you need from a reputable carrier. And down the road, your agent can help you file LTC insurance claims and update your coverage when necessary.