Texas Long-Term Care Insurance
Compare Plans, Costs & Coverage Options
For more than 30 years, ACACIA Insurance has helped Texas residents plan for their long-term care needs. As fully independent advisors, we compare highly rated insurance companies and policy types so you receive personalized and unbiased recommendations.
We review benefits, features, and pricing to help you choose the long-term care insurance plan that fits your goals and your budget.
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TABLE OF CONTENTS
- Do I Need Long-Term Care Insurance in Texas?
- Types of Long-Term Care Insurance in Texas
- Texas Long-Term Care Partnership Program
- Texas Long-Term Care Insurance Companies
- Texas Long-Term Care Insurance Rates
- Texas Long-Term Care Insurance Quotes
- FAQs About Long-Term Care Insurance in Texas
Estimated reading time: 8 minutes
Do I Need Long-Term Care Insurance in Texas?
Many Texas residents are surprised by how common long-term care needs become later in life and how quickly the costs can grow. Care often begins unexpectedly, and prices vary across the state in cities like Dallas, Houston, and Austin. Knowing your personal risk and the typical cost of care in your area can help you decide if long-term care insurance is a practical way to protect your savings and your family.
Texas residents face the same long-term care risks as the rest of the country. Nearly 70% of people turning 65 today will need some form of long-term care in the future, with an average duration of about three years.1
For Texas families, this means planning ahead is essential. While one-third of people may never need long-term care, 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 for 3 years of long-term care expenses in Texas is $207,855, or about $69,285 per year. By 2045, that figure is projected to rise to $455,436, or $151,812 per year.3
Texas Long-Term Care Costs
Long-term care costs in Texas vary widely depending on the region, and some metro areas are significantly more expensive than others. The table below shows the 2025 average cost of care in several major locations, with a complete list of all 25 regions available at the bottom of the grid.
Long-Term Care Rates in Texas – 2025 | |||
| Region | Nursing Home (private room) | Assisted Living (private room) | Home Care (44 Hours per week) |
| Texas Average | $69,285 | $60,980 | $61,336 |
| Dallas-Fort Worth | $77,333 | $64,241 | $64,952 |
| Houston-Pasadena | $73,519 | $65,540 | $61,758 |
| San Antonio | $73,317 | $61,192 | $68,054 |
| Austin-Round Rock | $80,944 | $76,508 | $75,473 |
| El Paso | $80,643 | $46,072 | $49,095 |
| Corpus Christi | $88,797 | $59,927 | $60,897 |
| Region | Nursing Home | Assisted Living | Home Care |
| Abilene | $72,215 | $70,586 | $55,681 |
| Amarillo | $73,873 | $45,176 | $59,331 |
| Austin-Round Rock | $80,944 | $76,508 | $75,473 |
| Beaumont-Port Arthur | $66,293 | $62,444 | $37,702 |
| Brownsville-Harlingen | $76,517 | $53,637 | $41,797 |
| College Station-Bryan | $76,225 | $67,501 | $64,707 |
| Corpus Christi | $88,797 | $59,927 | $60,897 |
| Dallas-Fort Worth | $77,333 | $64,241 | $64,952 |
| El Paso | $80,643 | $46,072 | $49,095 |
| Houston-Pasadena | $73,519 | $65,540 | $61,758 |
| Midland | $76,872 | $78,623 | $63,026 |
| Killeen-Temple | $74,519 | $53,408 | $62,140 |
| Laredo | $88,440 | $55,732 | $42,015 |
| Longview | $61,268 | $54,919 | $53,502 |
| Lubbock | $78,600 | $53,185 | $59,119 |
| McAllen-Edinburg | $91,029 | $53,932 | $48,757 |
| Midland | $76,872 | $78,623 | $63,026 |
| Odessa | $63,937 | $70,385 | $63,082 |
| San Angelo | $66,484 | $69,611 | $49,760 |
| San Antonio | $73,317 | $61,192 | $68,054 |
| Sherman-Denison | $67,413 | $46,338 | $65,579 |
| Tyler | $62,306 | $60,606 | $47,333 |
| Victoria | $69,842 | $66,905 | $55,829 |
| Waco | $65,614 | $67,249 | $64,734 |
| Wichita Falls | $69,032 | $50,884 | $51,818 |
Source: Nationwide Financial 2025 annual cost of care survey conducted by HVS, site accessed 4/21/2025
About Medicare and Long-Term Care
Medicare 
offers limited long-term care coverage, primarily up to 100 days of skilled nursing care following a three-day hospital stay. It does not cover custodial care (help with daily activities), which accounts for over 90% of long-term care needs. Learn more about Medicare and custodial care.
When To Buy Long-Term Care Insurance
The optimal age to purchase long-term care insurance is typically between your mid-50s and early 60s. During this period, premiums are more affordable, and you’re more likely to be in good health and qualify for coverage. Delaying can lead to higher premiums or challenges in qualifying due to health concerns.
However, purchasing too early means paying premiums for many years before you’re likely to need benefits, which may not be cost-effective. The right time depends on your health, financial situation, and risk tolerance.
A balanced approach is to start exploring options in your 50s when you may be able to lock in better rates with preferred health discounts. Consulting with a long-term care insurance specialist can help determine the best timing based on your individual circumstances and goals.
Find out if you health-qualify >Types of Long-Term Care Insurance in Texas
Choosing the right long-term care insurance in Texas starts with understanding the different types of policies available. Each option offers unique benefits, underwriting requirements, and pricing. Below is an overview of the four main types of long-term care coverage Texans use to plan for future care needs.
Traditional Long-Term Care Insurance
- Design: Specifically designed to cover long-term care expenses, such as in-home care, assisted living, or nursing home care. Provides the most comprehensive long-term care benefits for your dollar.
- Benefits: The broadest set of options & benefits. Provides a daily or monthly benefit for a set period or the policyholder’s lifetime, depending on the policy terms.
- Premiums: Recurring premiums paid monthly, quarterly, or annually. Possibility of premium increases over time.
- Underwriting: Requires medical underwriting, where health status impacts eligibility and premium costs.
- Tax Advantages: Premiums may be tax-deductible, and benefits are generally tax-free for qualified long-term care policies.
- About Traditional Long-Term Care Insurance >
Life Insurance with Long-Term Care Rider
- Design: Combines permanent life insurance with a rider allowing access to benefits you can use for long-term healthcare. If care is not needed, your asset passes to your estate as a tax-free death benefit.
- Benefits: May build cash value and have a Return of Premium option.
- Premiums: Premiums will NOT increase. Cost is higher than standard life insurance due to the added rider, but often more cost-effective than separate policies.
- Underwriting: Medical underwriting is usually less strict than traditional long-term care insurance.
- Tax Advantages: 1035 exchanges are possible and can be funded with qualified dollars (IRA, 401k, etc.)
- About Life Insurance with Long-Term Care >
Annuity with Long-Term Care Rider
- Design: A deferred annuity contract with a rider to cover long-term care expenses. Includes a fixed interest rate and possible indexing for asset growth.
- Benefits: Long-term care benefits are usually double or triple the value of the annuity. If not exhausted paying for long-term healthcare, the annuity will transfer to your estate at time of death.
- Premiums: No premium increases. Can be purchased using a single premium payment.
- Underwriting: Health underwriting is simpler than the other plans available.
- Tax Advantages: Tax-Free 1035 exchanges are possible from an existing annuity to a long-term care annuity.
- About Long-Term Care Annuities >
Short-Term Care Insurance
- Design: Provides coverage for care in a nursing home, assisted living, or at home for a short duration, typically up to 12 months.
- Benefits: Helps cover costs for temporary care needs, including recovery from surgery, illness, or injury. Most policies have a 0-day deductible with benefit being paid out as soon as you qualify. This can bridge gaps before long-term care insurance or Medicare kicks in for services like a home health aide.
- Premiums: Generally lower than long-term care insurance due to the shorter benefit period, making it an affordable option for many.
- Underwriting: Often features simplified underwriting with fewer health questions, making it easier to qualify. This can be very helpful for those who may not meet long-term care insurance health or age requirements.
- Tax Advantages: Premiums may be tax-deductible if the policy qualifies as tax-qualified under federal guidelines.
- About Short-Term Care Insurance >
Texas Long-Term Care Partnership Program
Texas Long-Term Care Partnership 
policies combine private long-term care insurance with a special form of Medicaid asset protection. These plans allow you to keep a matching amount of assets if you ever need to qualify for Medicaid, instead of being forced to spend down your savings.
The State of Texas also enforces Medicaid Estate Recovery (MERP) 
, which means the state may seek repayment from your estate after Medicaid pays for long-term care. Partnership policies help protect the assets you keep, making it less likely that MERP will affect your home or family inheritance.
For many Texans, this added protection makes Partnership policies a practical way to plan for care and preserve family wealth.
Learn more about the Texas Long-Term Care Partnership Program >
Texas Long-Term Care Insurance Companies
There are several long-term care insurance providers in Texas. These companies differ in coverage, financial stability, premiums, and underwriting requirements.
As independent advisors, we compare all providers to find the best policy for your needs and budget, focusing on premiums, benefits, and financial strength.
USAA member? See your long-term care insurance options >
- Bankers Life
- Brighthouse Financial
- Global Atlantic
- John Hancock Life Insurance Company
- LifeSecure Insurance Company
- Lincoln Financial Group (MoneyGuard)
- Mutual of Omaha
- National Guardian Life (NGL)
- Nationwide Life Insurance Company
- New York Life
- Northwestern Mutual
- Securian Financial
- State Life Insurance Company (OneAmerica)
- Thrivent
Texas Long-Term Care Insurance Rates
The cost of long-term care insurance in Texas 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:
- Benefit Period: Determine the duration of benefits that fits with your needs and budget.
- Daily Benefit: Select a daily benefit amount based on your preferences and the cost of care in your area.
- Elimination Period: A deductible measured in days before benefits begin.
- Inflation Protection: This option safeguards your coverage against the impact of inflation over time.
Here is a sample of long-term care insurance costs in Texas. 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 Texas (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 |
Texas Long-Term Care Insurance Quotes
Our Texas long-term care specialists help you compare a wide range of planning products and strategies. You’ll receive personalized recommendations based on your age, health, and goals, along with guidance on the insurance companies best suited to your situation. You’ll get professional advice with:
✔ Choosing from multiple long-term care planning products
✔ Suggestions for the insurance company best suited to your needs
✔ Help with medical underwriting (qualifying) for coverage
Ready to start a conversation?
Get started now >
FAQs about Texas Long-Term Care Insurance
Yes. Texas has a Long-Term Care Partnership Program that supports planning for future care needs. This program is a collaboration between private long-term care insurance companies and the State of Texas. Partnership policies offer extra protection by allowing you to keep a matching amount of assets if you ever need to qualify for Medicaid. This helps Texans avoid a complete spend-down of savings and may reduce exposure to Medicaid Estate Recovery.
Learn more about the Texas Partnership Program >
Medicaid Estate Recovery (MERP) is a program in Texas that may seek repayment from your estate after Medicaid pays for long-term care services such as nursing home care or home health. The state can recover costs from assets you leave behind, including your home, savings, or other property. Texans who own long-term care insurance, especially a Texas Partnership policy, are less likely to rely on Medicaid for extended care. This helps protect family assets from MERP claims and preserves more of what you intend to pass to your heirs.
Learn more about Texas Partnership policies >
The best way to find long-term care insurance brokers in Texas is to work with an independent agency that represents multiple top-rated insurers. With ACACIA Insurance, you’ve already found one of the most experienced sources for long-term care insurance guidance in the state. Our specialists compare companies, coverage options, and health eligibility to help you choose a plan that fits your needs and budget.
Compare Long-Term Care Insurance Options >
Texas residents can choose from several types of long-term care insurance depending on their goals, budget, and health situation. The four primary options are:
- Traditional Long-Term Care Insurance
- Life Insurance with Long-Term Care Benefits
- Long-Term Care Annuities
- Short-Term Care Insurance
Each type offers different benefits, eligibility requirements, and pricing. A licensed Texas long-term care specialist can help you understand these options and recommend plans that match your needs.
About LTC Insurance Products >
To pick the best long-term care insurance in Texas, start by comparing multiple insurers and reviewing coverage options, benefit amounts, and inflation protection. Costs and eligibility vary depending on your age and health, so it helps to work with a specialist who understands the Texas market. An experienced LTC advisor can compare companies side-by-side and explain how each plan works, including any Partnership benefits. Always review the policy details carefully so you choose coverage that aligns with your needs.
Choosing the Best LTC Insurance >
Long-term care insurance quotes in Texas are offered by licensed agents, independent brokers, and specialized LTC insurance agencies. These professionals compare multiple insurers to help you find coverage that fits your needs, budget, and health eligibility. Working with an independent advisor can be especially helpful, because no single insurance company is best for everyone. An LTC specialist can guide you through the quotes, underwriting requirements, and available plan types.
Request LTC Insurance Quotes >
ACACIA Insurance Reviews
What Our Clients Are Saying
Last updated: November 29, 2025
Written by: Craig Matesky, President, ACACIA Insurance
Reviewed by: Mike Berger, National Sales Manager
Sources:
1. “How Much Care Will You Need?” LongTermCare.gov, U.S. Department of Health and Human Services, Accessed 11/29/2025
2. “How Much Care Will You Need?” LongTermCare.gov
3. Nationwide Financial 2025 Cost of Care Survey conducted by HVS, Accessed 11/29/2025
4. “Who Will Provide Your Care?” LongTermCare.gov
5. Family Caregiver Alliance Caregiver.org, Accessed 11/29/2025.
Note: Coverages and features vary between insurers, differ by state, and may not be available in all locations.