For over 30 years, ACACIA Insurance has specialized in long-term care planning. We are independent advisors, representing numerous highly rated insurance companies and plan types.
We work with your best interests in mind, assessing policy features and benefits to provide you with the top choices for your consideration.
Request Free Quotes > Long-Term Care Rates in Florida 2025 | |||
Nursing Home (private room) | Assisted Living (private room) | Home Health Aide (44 Hours/week) | |
Florida Average | $124,357 | $58,599 | $64,417 |
Region | Nursing Home | Assisted Living Facility | Home Health Aide |
Cape Coral / Fort Myers | $125,532 | $71,346 | $70,275 |
Crestview Area | $120,455 | $53,091 | $49,644 |
Deltona / Daytona Beach | $126,942 | $59,205 | $72,868 |
Gainesville | $123,792 | $69,191 | $63,716 |
Homosassa Springs | $131,375 | $68,410 | $52,370 |
Jacksonville | $130,142 | $74,527 | $62,269 |
Lakeland /Winter Haven | $118,922 | $55,846 | $62,360 |
Miami Area | $126,195 | $65,831 | $60,985 |
Naples / Marco Island | $137,740 | $72,112 | $71,671 |
North Port / Sarasota | $134,826 | $67,892 | $74,442 |
Ocala | $120,801 | $51,249 | $69,489 |
Orlando / Kissimmee | $117,219 | $51,251 | $71,390 |
Palm Bay / Melbourne | $130,643 | $58,104 | $59,699 |
Panama City | $131,219 | $71,512 | $70,207 |
Pensacola / Ferry Pass | $134,004 | $51,437 | $57,040 |
Port St. Lucie | $117,496 | $69,442 | $62,977 |
Punta Gorda | $132,055 | $49,571 | $71,607 |
Sebastian / Vero Beach | $117,348 | $63,080 | $66,567 |
Sebring | $101,791 | $53,055 | $63,850 |
Tallahassee | $121,529 | $74,665 | $60,623 |
Tampa / St Petersburg | $128,432 | $53,522 | $65,145 |
Wildwood / The Villages | $125,654 | $63,764 | $65,197 |
Medicare provides very limited long-term care coverage. Primarily up to 100 days of skilled nursing care following a 3-day hospital stay. It does not cover custodial care (help with daily activities) which represents over 90% of long-term care needs. Learn more about Medicare and custodial care.
When’s the best age to get long-term care insurance? It depends on your situation, but here are some key factors to consider:
One of our licensed long-term care professionals can assess your health concerns and provide you with quote comparisons.
Check Eligibility Now >The Florida Long-Term Care Partnership Program combines private long-term care insurance with Florida Medicaid, providing financial protection for future long-term care needs.
The main benefit of a Partnership policy is asset protection. For every dollar your insurance pays out, you can keep an extra dollar in assets if you later become eligible for Medicaid. Learn more about the Florida Long-Term Care Partnership Program.
As independent advisors specializing in Florida’s long-term care market, we carefully assess all available providers to match you with the best policy for your unique needs and budget.
Our analysis focuses on finding you the best balance between affordable premiums, comprehensive benefits, and strong financial ratings.
The cost of long-term care insurance in Florida depends on several factors. These include your age, health history, plan design, and the type of plan you choose. The following features allow you to customize your coverage for your situation:
Here is a sample of long-term care insurance costs in Florida. These are average monthly costs by purchase age for $144,000 in level benefits, without annual inflation growth. Rates are for preferred health which has the lowest cost.
Cost of Long-Term Care Insurance in Florida (monthly) | |||
Age 55 | Age 60 | Age 65 | |
Male | $77 | $93 | $139 |
Female | $111 | $139 | $210 |
Couple | $151 | $185 | $279 |
For the same applicants purchasing a policy with 3% annual inflation growth protection, the average monthly costs are:
Age 55 | Age 60 | Age 65 | |
Male | $139 | $158 | $205 |
Female | $232 | $266 | $347 |
Couple | $296 | $339 | $442 |
Get quotes and expert guidance from our Florida based long-term care insurance specialists to find the best policy for your needs. We offer:
✔ Clear comparisons of multiple long-term care insurance options and costs
✔ Personalized recommendations tailored to your goals and budget
✔ Assistance navigating health requirements for coverage
In Florida, you may be denied long-term care insurance if you have serious pre-existing medical conditions such as Alzheimer’s, Parkinson’s, dementia or other cognitive impairment. Another reason for denial would be if you currently need assistance to perform daily living activities such as walking, bathing or dressing.
However, those with other significant health conditions may still qualify. It’s best to consult with a professional who knows the underwriting criteria of several long-term care insurance companies. Find Out If You Qualify >
Long-term care insurance rates in Florida depend on your age, health history, type of plan selected, and the insurance company. Here are sample premiums for a 60-year-old man with preferred health:
Policy pays up to $144,000 for home health care, assisted living, or nursing home care.
Monthly cost for this policy ranges from $93 to $158.
The best long-term care insurance in Florida will be a plan that’s best aligned with your specific needs. Here are some key considerations:
Related Article: How to choose the best long-term care insurance >
Here is a list of long-term care insurance providers in Florida:
Written by Craig Matesky, ACACIA Insurance President
Edited by Mike Berger, National Sales Manager
SOURCES: