Arizona Long-Term Care Insurance Costs & Providers
Compare Arizona’s best long-term care insurance companies to protect your assets and family.
For over 30 years, ACACIA Insurance has helped individuals make informed long-term care planning decisions with personalized guidance and access to multiple top-rated insurers.
Get Quotes & Advice >TABLE OF CONTENTS
- About Long-Term Care in Arizona
- Types of LTC Insurance Policies in Arizona
- Arizona Long-Term Care Partnership Program
- Long-Term Care Insurance Companies in Arizona
- Arizona Long-Term Care Insurance Rates
- How to Get Arizona Long-Term Care Insurance Quotes
- FAQs about Arizona Long-Term Care Insurance
Estimated reading time: 8 minutes
We Compare Top-Rated LTC Insurance Companies
About Long-Term Care in Arizona
Almost 70% of people turning age 65 today will need some type of long-term care in the future. The average length of time people need care is 3 years.1
One-third of people may never need long-term care, but 20% will need it for longer than 5 years. On average women need 3.7 years of care while men need 2.2 years.2
In 2025, the average cost for 3 years of long-term care in Arizona is $285,531 ($95,177/year). That cost is projected to be $568,143 ($189,381/year) in 2045.3
Arizona Long-Term Care Costs
Long-Term Care Rates in Arizona – 2025 | |||
| Region | Nursing Home (private room) | Assisted Living (private room) | Home Health Aide (44 Hours/week) |
| Arizona Average | $95,177 | $65,726 | $78,380 |
| Flagstaff | $102,879 | $78,487 | $58,821 |
| Lake Havasu City-Kingman | $84,783 | $56,917 | $62,660 |
| Phoenix-Mesa-Chandler | $98,825 | $65,946 | $84,899 |
| Prescott-Prescott Valley | $99,112 | $68,563 | $59,297 |
| Sierra Vista-Douglas | $91,884 | $63,389 | $70,790 |
| Tucson | $106,857 | $60,642 | $76,584 |
| Yuma | $111,869 | $60,141 | $64,874 |
Source: Nationwide Financial 2025 annual cost of care survey conducted by HVS, site accessed 5/21/2025
Does Medicare Cover Long-Term Care?
Medicare does pay for most long-term care, also known as custodial care.4 This type of care makes up over 90% of all long-term care services. Custodial care involves assisting individuals with activities like walking, bathing, eating, dressing, and using the toilet. These are the essential needs for those with physical impairments resulting from a stroke or cognitive impairments caused by dementia or Alzheimer’s disease.
Approximately 80% of care provided at home is from unpaid caregivers. More than half of this care involves help with personal care tasks such as bathing or feeding.5 And the need for long-term care extends beyond older adults. Currently, over 35% of people receiving care are between the ages of 18 and 64.6
When To Buy Long-Term Care Insurance
Like most advisors, we recommend buying long-term care insurance in your fifties or early sixties for the following reasons:
- The younger you are when you buy a policy, the lower the annual premiums.
- Even though you pay premiums a longer period of time, you’ll typically pay less overall than someone buying at an older age.
- By the time you reach your mid sixties, you’re more likely to have a medical condition that makes you ineligible for a preferred-health discount, or makes it tough to get coverage at all.
So it almost never pays to wait. And, while you’re waiting, you’re uninsured. If an accident or illness happens causing you to need long-term care, you’ll have to pay out of pocket.
Check Eligibility Now >Types of Long-Term Care Insurance in Arizona
Traditional Long-Term Care Insurance
- The most comprehensive long-term care protection for your dollar
- About half of all long-term care policies purchased (includes Arizona Long-Term Care Partnership)
- The broadest set of options
- Recurring premiums
- Learn more about Traditional LTC >
Hybrid Life Insurance with Long-Term Care
- A permanent life insurance policy that can be used during your lifetime if you need long-term care
- If care is not needed, your asset passes to your estate as a tax-free death benefit
- May build cash value and have a return of premium option
- Premiums will NOT increase and 1035 exchanges are possible
- Can be funded with qualified dollars (IRA, 401k, etc.)
- Learn more about Hybrid Life with LTC >
Hybrid Annuity with Long-Term Care
- A deferred annuity contract with a fixed interest rate and possible indexing for asset growth plus long-term care benefits
- If not exhausted paying for long-term care, the annuity will transfer to your estate
- Long-term care benefits are typically double or triple the value of the annuity
- Premiums will NOT increase and 1035 exchanges are possible
- Can be funded with qualified dollars (IRA, 401k, etc.)
- Learn more about Hybrid Annuities with LTC >
Short-Term Care Insurance
- Coverage for a year or less with the option of home health care only, facility only, or both combined
- Lower premiums than long-term care insurance and some policies available to age 89
- Simplified underwriting may be a good fit if you’ve been declined for LTC insurance
- No deductible option means benefits would be paid out as soon as you qualify
- Learn more about Short-Term Care Insurance >
Arizona Long-Term Care Partnership Program
Arizona Long-Term Care Partnership policies combine private long-term care insurance with Medicaid asset protection. This unique asset protection benefit applies if your care needs should last longer than your policy benefits. For example, for every dollar your Long-Term Care Partnership policy pays in benefits, a dollar of assets is protected from the long-term care Medicaid (ALTCS) asset limit. The protected assets are also exempt from Estate Recovery. Learn more about Arizona Long-Term Care Partnership policies.
Arizona Companies for Long-Term Care Insurance
Arizona long-term care insurance is available from the following insurance companies. We compare these Arizona companies to find you the right coverage for your situation at the lowest cost. Arizona companies for long-term care insurance include:
- Bankers Life & Casualty
- Brighthouse Financial
- Global Atlantic
- LifeSecure Insurance Company
- Lincoln Financial Group (MoneyGuard)
- Mutual of Omaha
- National Guardian Life
- Nationwide Life Insurance Company
- New York Life
- Northwestern Mutual
- OneAmerica
- Securian Financial
- State Farm
- Thrivent Financial
How Much Does LTC Insurance Cost in Arizona?
Your Arizona long-term care insurance rates will depend on your age, health history, plan design and type of coverage selected. The following choices let you choose how much protection is right for your situation:
- Benefit Period
- Daily Benefit
- Elimination Period (a deductible in days)
- Inflation Protection (if chosen)
Arizona Long-Term Care Insurance Quotes
Get personalized guidance from Arizona licensed long-term care professionals. We help you compare plans from top-rated carriers with no obligation.
✔ Compare multiple insurance carriers and plans
✔ Expert help with medical underwriting and applications
✔ Personalized recommendations for your budget and needs
Ready to get started?
Compare plans & prices >
Arizona Long-Term Care Insurance FAQs
Yes, long-term care insurance policies purchased in Arizona remain valid nationwide. Most major insurers offer portable coverage that follows you regardless of relocation. Your benefits and coverage limits remain unchanged, ensuring continuous protection even if you move from Arizona to another state.
Yes, Arizona participates in the Long-Term Care Partnership Program, allowing residents to protect assets equal to their policy benefits while potentially qualifying for Medicaid after benefits exhaust. These specially-certified policies help Arizonans preserve inheritance for heirs while securing quality care. Get details on Partnership Long-Term Care Insurance >
Yes, Arizona residents may deduct qualified long-term care insurance (LTCI) premiums as part of their federal medical expense deduction, subject to age-based IRS limits. For individuals who itemize deductions, eligible premiums can be included to the extent that total unreimbursed medical expenses exceed 7.5% of adjusted gross income (AGI).
However, many self-employed business owners are exempt from the 7.5% AGI threshold and can deduct LTCI premiums directly as a business expense.
In Arizona, eligibility primarily depends on your health history and current age. While many Arizonans with pre-existing conditions can qualify, disorders like Alzheimer’s, Parkinson’s, or requiring immediate assistance typically result in denial. For residents with health concerns, a long-term care annuity offers less stringent underwriting and may provide viable coverage alternatives. Short-term care insurance may be another option to consider.
In 2025, Arizona’s annual long-term care costs average $95,177 for a private room in a Nursing Home, $65,726 for Assisted Living Facilities, and $78,380 for Home Health Aides (based on 44 hours weekly). These substantial expenses underscore why proper long-term care insurance planning is essential for Arizona residents.
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About the Author: Mike Berger
Reviewed by: Craig Matesky