How much does long-term care cost without insurance?
Without insurance you pay out of pocket at 2025 national rates of about $80,000 a year for home care, $74,000 for assisted living, and $115,000+ for a nursing home — until you spend down to qualify for Medicaid.
Without long-term care insurance, you pay these costs yourself. National median prices in 2025 (Genworth / CareScout) run about:
- Home health aide: ~$80,080 a year
- Assisted living: ~$74,400 a year
- Nursing home (semi-private room): ~$114,975 a year; a private room tops $129,000.
Most people pay from savings until the money runs low, then Medicaid takes over — but only after you have spent down most of your assets. Medicare does not cover long-term custodial care.
General information only. This is educational and not insurance, legal, tax, or financial advice. Rules and products vary and change — confirm the specifics with a licensed professional.
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