District of Columbia long-term care insurance: cost & coverage

Who regulates long-term care insurance in District of Columbia

Long-term care insurance policies sold in District of Columbia are regulated by the Department of Insurance, Securities and Banking (DISB). If you have a complaint about an agent, carrier, or policy, you can file it with the regulator directly.

What long-term care costs in District of Columbia

Median assisted living cost in District of Columbia vs. the national median:

Source: SeniorLiving.org median assisted living costs, 2026. See costs for all 50 states for the full table.

District of Columbia's LTC Partnership program

District of Columbia does not currently have an active LTC Partnership program. DC has not implemented a federal Long-Term Care Partnership program; it is one of the small number of jurisdictions (with Alaska, Hawaii, Massachusetts, Mississippi, Utah, and Vermont) without one, so no Partnership-program reciprocity applies for residents moving into the District.

Without a Partnership-qualified policy, benefits paid out don't create extra Medicaid asset protection. Learn more about how Partnership programs work and which states currently have one.

How to compare quotes in District of Columbia

• Confirm any agent or carrier you talk to is currently licensed to sell in District of Columbia — the Department of Insurance, Securities and Banking (DISB) can confirm licensing status.
• Ask which products a carrier is actively writing in District of Columbia today — availability changes state by state and year to year. See carriers we compare.
• Compare traditional and hybrid options side by side — see traditional vs. hybrid coverage.
• Get quotes from more than one carrier; pricing for the same coverage can vary significantly.

Please note: Regulator names, complaint channels, and Partnership-program status can change. Confirm current details with the Department of Insurance, Securities and Banking (DISB) or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer District of Columbia's insurance regulations or Medicaid program.

Last updated: July 30, 2026