Texas long-term care insurance: cost & coverage

Who regulates long-term care insurance in Texas

Long-term care insurance policies sold in Texas are regulated by the Texas 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 Texas

Median assisted living cost in Texas 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 Texas

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

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

Texas's LTC Partnership program

Texas has an active LTC Partnership program. Texas has participated in the federal LTC Partnership program since 2008, 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 Texas treats LTC premiums at tax time

Texas has no state income tax, so there is no state income-tax deduction or credit tied to long-term care insurance premiums the way some other states offer. The Texas Comptroller of Public Accounts administers only business and transaction-based taxes — sales, franchise, motor vehicle, and property taxes among them — and its official list of Texas taxes and fees includes no individual income tax. Texans weighing an LTC policy should rely on the federal tax-qualified premium deduction instead, since no comparable state-level benefit exists here.

Source: Texas Comptroller of Public Accounts (2026)

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

Medicaid long-term care in Texas

Texas Medicaid, administered by the Health and Human Services Commission, pays for nursing home and other long-term-care services once an applicant's income and countable assets fall below the state's eligibility limits. Applicants generally must reside in a nursing facility for 30 consecutive days before applying for Medicaid long-term-care coverage. Because Texas participates in the federally required Medicaid Estate Recovery Program, the state can seek repayment from a deceased recipient's estate for long-term-care costs it paid, within limits, after the recipient dies.

Source: Texas Health and Human Services (via Internet Archive Wayback Machine snapshot) (2026)

How to compare quotes in Texas

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

Last updated: August 22, 2026