Ohio long-term care insurance: cost & coverage

Who regulates long-term care insurance in Ohio

Long-term care insurance policies sold in Ohio are regulated by the Ohio Department of Insurance. 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 Ohio

Median assisted living cost in Ohio 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 Ohio

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

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

Ohio's LTC Partnership program

Ohio has an active LTC Partnership program. Ohio participates in the federal DRA Long-Term Care Partnership program, offering dollar-for-dollar Medicaid asset protection for qualified policies.

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 Ohio treats LTC premiums at tax time

Ohio allows a state income tax deduction for long-term care insurance premiums. Under Ohio Revised Code 5747.01(A)(10)(a), taxpayers may deduct amounts paid during the tax year for qualified long-term care insurance covering themselves, a spouse, and dependents, to the extent the premiums were not already deducted or excluded in computing federal adjusted gross income. The deduction is available whether or not the taxpayer itemizes on the federal return.

Source: Ohio Revised Code, Section 5747.01(A)(10)(a) (2026)

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

Medicaid long-term care in Ohio

Ohio Medicaid, administered by the Ohio Department of Medicaid, applies strict asset limits to long-term-care eligibility for aged, blind, and disabled applicants. Under Ohio Administrative Code 5160:1-3-05.1, an individual's countable resources cannot exceed $2,000, and a married couple's combined countable resources cannot exceed $3,000, before Medicaid will pay for nursing facility or other long-term care services. Certain assets, such as a primary home, are excluded from this count.

Source: Ohio Administrative Code, Rule 5160:1-3-05.1 (2022)

How to compare quotes in Ohio

• Confirm any agent or carrier you talk to is currently licensed to sell in Ohio — the Ohio Department of Insurance can confirm licensing status.
• Ask which products a carrier is actively writing in Ohio 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 Ohio — 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 Ohio Department of Insurance or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer Ohio's insurance regulations or Medicaid program.

Last updated: August 22, 2026