Florida long-term care insurance: cost & coverage

Who regulates long-term care insurance in Florida

Long-term care insurance policies sold in Florida are regulated by the Florida Office of Insurance Regulation. 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 Florida

Median assisted living cost in Florida vs. the national median:

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

What each type of care costs in Florida

Assisted living is only one of the settings people use. Median monthly costs across the main care types in Florida:

Source: SeniorLiving.org Cost of Care Research (2026)

Florida's LTC Partnership program

Florida has an active LTC Partnership program. Florida participates in the DRA long-term care Partnership program, administered by the Agency for Health Care Administration (Medicaid) in coordination with the Office of Insurance Regulation.

A Partnership-qualified policy lets you keep an extra dollar of assets, protected from Medicaid spend-down, for every dollar your policy pays out in benefits — see the note above for this state's current status. Learn more about how Partnership programs work.

How Florida treats LTC premiums at tax time

Florida has no state income tax. The Department of Revenue puts it plainly: "Florida does not impose personal income tax, inheritance tax, gift taxes, or tax on intangible personal property." For long-term care planning that cuts both ways. There is no Florida deduction or credit for LTC insurance premiums, because there is no state return to claim one on — the state-level tax break some other states offer simply does not exist here. What is left is the federal treatment: premiums on a tax-qualified policy count as a medical expense within age-based IRS limits if you itemize. The flip side is that Florida retirees keep more of their income to begin with, which is often what makes a premium affordable.

Source: Florida Department of Revenue (2025)

This is general information, not tax advice. Confirm your own situation with a tax professional licensed in Florida.

Medicaid long-term care in Florida

Florida delivers Medicaid long-term care through the Statewide Medicaid Managed Care Long-Term Care program (SMMC LTC), and three agencies share the work: AHCA runs the program and enrolls you in a plan, the Department of Children and Families decides financial eligibility, and the Department of Elder Affairs' CARES program decides whether you meet nursing-home level of care. For 2026, DCF's home and community-based limits are $2,982 in monthly income and $2,000 in countable assets for an individual ($5,964 and $3,000 if both spouses apply); a Qualified Income Trust handles income above the cap. Enrollment is capped, and only high-priority-rank applicants go on the wait list that DOEA and the Aging and Disability Resource Centers release monthly by priority score and frailty rank, in accordance with the enrollments AHCA makes available — not by how long you have waited.

Source: Florida Agency for Health Care Administration (2026)

Other Florida long-term care programs

• Community Care for the Elderly (CCE) and Home Care for the Elderly (HCE). Beyond Medicaid, Florida funds two long-term care programs through the Department of Elder Affairs and its Area Agencies on Aging. Community Care for the Elderly (CCE) serves functionally impaired Floridians aged 60 and older with adult day care, homemaker and personal care, respite, home-delivered meals, home health aide and similar services, delivered by 47 local lead agencies; first call on services goes to elders referred by Adult Protective Services. Home Care for the Elderly (HCE) pays a $160 monthly basic subsidy, plus special subsidies for medications, supplies and home modifications, to households keeping an at-risk elder at home. Neither replaces long-term care insurance — both are limited and eligibility is narrow — but they can help fill gaps.

How to compare quotes in Florida

• Confirm any agent or carrier you talk to is currently licensed to sell in Florida — the Florida Office of Insurance Regulation can confirm licensing status.
• Ask which products a carrier is actively writing in Florida today — availability changes state by state and year to year. See carriers we compare.
• If a Partnership-qualified policy matters to you, confirm with the carrier or agent whether a policy is currently certified as Partnership-qualified in Florida — see this state's Partnership status above.
• 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 Florida Office of Insurance Regulation or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer Florida's insurance regulations or Medicaid program.

Last updated: August 22, 2026