Massachusetts long-term care insurance: cost & coverage
What long-term care costs in Massachusetts, who regulates insurance here, whether the state has an LTC Partnership program, and how to compare quotes.
Who regulates long-term care insurance in Massachusetts
Long-term care insurance policies sold in Massachusetts are regulated by the Division of Insurance (within the Office of Consumer Affairs and Business 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 Massachusetts
Median assisted living cost in Massachusetts vs. the national median:
| Location | Median / month | Approx. / year |
|---|---|---|
| Massachusetts | $9,610 | $115,320 |
| National median | $6,313 | $75,756 |
Source: SeniorLiving.org median assisted living costs, 2026. See costs for all 50 states for the full table.
Massachusetts's LTC Partnership program
Massachusetts does not currently have an active LTC Partnership program. Massachusetts does not participate in the federal DRA Partnership program (no interstate reciprocity); it instead offers limited MassHealth protections for holders of a "MassHealth Qualified" LTC policy, which is not the same dollar-for-dollar asset-disregard benefit.
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 Massachusetts
- Confirm any agent or carrier you talk to is currently licensed to sell in Massachusetts — the Division of Insurance (within the Office of Consumer Affairs and Business Regulation) can confirm licensing status.
- Ask which products a carrier is actively writing in Massachusetts 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 Division of Insurance (within the Office of Consumer Affairs and Business Regulation) or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer Massachusetts's insurance regulations or Medicaid program.
Last updated: July 30, 2026
Compare long-term care insurance costs in Massachusetts
Free cost comparison
See personalized long-term care insurance costs from the carriers still writing new policies in 2026 — no obligation and no pressure.
Request a free, no-obligation cost comparisonFree LTC planning report
Prefer to read up first? Get our plain-English guide to planning and paying for long-term care, delivered to your inbox.
Get the free LTC planning report