Michigan Long-Term Care Insurance
Compare Michigan Plans, Costs & Coverage Options
For more than 30 years, ACACIA Insurance has helped Michigan residents plan for their long-term care needs. As fully independent advisors, we compare long-term care insurance plans and highly rated companies to provide personalized, unbiased recommendations.
We review benefits, features, and pricing to help you choose the long-term care insurance coverage that fits your goals and your budget.
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TABLE OF CONTENTS
- Do I Need Long-Term Care Insurance in Michigan?
- Michigan Long-Term Care Costs
- Medicare and Long-Term Care in Michigan
- When To Buy Long-Term Care Insurance in Michigan
- Types of Long-Term Care Insurance in Michigan
- Michigan Long-Term Care Partnership Program
- Long-Term Care Insurance Companies in Michigan
- Cost of Long-Term Care Insurance in Michigan
- FAQs About Long-Term Care Insurance in Michigan
Estimated reading time: 8 minutes
Do I Need Long-Term Care Insurance in Michigan?
Many Michigan residents are surprised by how likely long-term care becomes later in life and by how quickly costs can add up. Care needs often arise suddenly, and expenses vary widely across the state. This makes advance planning especially important. The facts below provide a clearer picture of long-term care risks and costs in Michigan and can help you determine whether long-term care insurance is a good fit for your situation.
The Likelihood of Needing Care
Michigan 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
How Long Care Lasts
For Michigan 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
Care Costs in Michigan
In 2026, the average for 3 years of long-term care in Michigan is $420,243, or about $140,081 per year. By 2046, that figure is projected to rise to $920,804, or $306,935 per year.3
Michigan Long-Term Care Costs
Long-term care costs vary across Michigan. Nursing homes show the widest gap. A private room averages $172,451 a year in Ann Arbor and $129,705 in Detroit. The table below shows 2026 figures for the state and its six largest regions. Open the list to see all 15.
Long-Term Care Costs in Michigan 2026 | |||
| Region | Nursing Home (private room) annual / monthly | Assisted Living (private room) annual / monthly | Home Health Aide (44 hrs/week) annual / monthly |
|---|---|---|---|
| Michigan Average | $140,081 $11,673 a month | $75,359 $6,280 a month | $80,450 $6,704 a month |
| Ann Arbor | $172,451 $14,371 a month | $89,555 $7,463 a month | $83,794 $6,983 a month |
| Detroit-Warren-Dearborn | $129,705 $10,809 a month | $87,310 $7,276 a month | $79,268 $6,606 a month |
| Flint | $166,540 $13,878 a month | $61,946 $5,162 a month | $74,168 $6,181 a month |
| Grand Rapids-Wyoming-Kentwood | $144,440 $12,037 a month | $80,123 $6,677 a month | $85,562 $7,130 a month |
| Kalamazoo-Portage | $139,091 $11,591 a month | $70,557 $5,880 a month | $84,091 $7,008 a month |
| Lansing-East Lansing | $149,237 $12,436 a month | $78,079 $6,507 a month | $81,472 $6,789 a month |
| Source: Nationwide Financial 2026 Cost of Care Survey (HVS), accessed October 9, 2026. Monthly figures are the annual cost divided by twelve. | |||
| Region | Nursing Home (private room) annual / monthly | Assisted Living (private room) annual / monthly | Home Health Aide (44 hrs/week) annual / monthly |
|---|---|---|---|
| Ann Arbor | $172,451 $14,371 a month | $89,555 $7,463 a month | $83,794 $6,983 a month |
| Battle Creek | $127,365 $10,614 a month | $73,129 $6,094 a month | $74,950 $6,246 a month |
| Bay City | $146,531 $12,211 a month | $71,628 $5,969 a month | $88,367 $7,364 a month |
| Cass County | $121,327 $10,111 a month | $66,022 $5,502 a month | $74,011 $6,168 a month |
| Detroit-Warren-Dearborn | $129,705 $10,809 a month | $87,310 $7,276 a month | $79,268 $6,606 a month |
| Flint | $166,540 $13,878 a month | $61,946 $5,162 a month | $74,168 $6,181 a month |
| Grand Rapids-Wyoming-Kentwood | $144,440 $12,037 a month | $80,123 $6,677 a month | $85,562 $7,130 a month |
| Jackson | $126,066 $10,506 a month | $64,376 $5,365 a month | $86,813 $7,234 a month |
| Kalamazoo-Portage | $139,091 $11,591 a month | $70,557 $5,880 a month | $84,091 $7,008 a month |
| Lansing-East Lansing | $149,237 $12,436 a month | $78,079 $6,507 a month | $81,472 $6,789 a month |
| Midland | $137,385 $11,449 a month | $73,761 $6,147 a month | $73,068 $6,089 a month |
| Monroe | $106,023 $8,835 a month | $60,317 $5,026 a month | $69,904 $5,825 a month |
| Muskegon-Norton Shores | $135,707 $11,309 a month | $72,385 $6,032 a month | $76,272 $6,356 a month |
| Niles | $140,965 $11,747 a month | $85,126 $7,094 a month | $66,146 $5,512 a month |
| Saginaw | $124,660 $10,388 a month | $61,198 $5,100 a month | $70,975 $5,915 a month |
Medicare and Long-Term Care in Michigan
Medicare 
is built for short recoveries. After a hospital stay of at least three days, it covers a skilled nursing facility. You pay nothing for the first 20 days. From day 21 through day 100, you pay $217 a day in 2026. After that, you pay everything. Help with bathing, dressing or eating does not qualify when it is the only care you need.
Michigan Medicaid pays for nursing home care only after your savings are nearly gone. A single applicant may keep no more than $2,000 in countable assets. A spouse at home may keep half of the couple’s assets, within a floor of $32,532 and a cap of $162,660.
A private nursing home room in Michigan averages $140,081 a year, about 21% above the national average of $115,988. Assisted living runs $75,359 a year. Both figures come from the Nationwide Financial 2026 Cost of Care Survey.
Learn more about Medicare and custodial care ➜
When To Buy Long-Term Care Insurance in Michigan
What is the right age to buy long-term care insurance? No single age fits everyone. Health, budget and goals all shape the answer. These patterns hold for most Michigan buyers:
- Mid 50s to early 60s. The most common window. Rates are still moderate, and health discounts remain within reach.
- Your 40s. Lower premiums and an easier approval, in exchange for more years of payments.
- Late 60s and beyond. Still workable for many. Pricing climbs, declines happen more often and discounts usually disappear.
Nursing home costs in Michigan rise about 4% a year. That outpaces the 3.5% national rate. Ann Arbor and Lansing run closer to 5%. Those increases build on each other until the day you need care. Inflation protection lets your benefit grow to keep pace.
Already past 65? Do not assume it is too late. Carriers underwrite to different standards, and products vary just as widely. Plenty of applicants at that age still qualify. A licensed specialist can review your situation and put real numbers next to it.
Find Out If You QualifyTypes of Long-Term Care Insurance in Michigan
Michigan residents can choose from several long-term care insurance options, each designed to help cover care at home, in assisted living, or in a nursing facility. Understanding how traditional long-term care insurance, hybrid life/LTC policies, LTC annuities, and short-term care plans differ can help you decide which type fits your budget, health, and long-term planning goals.
Traditional Long-Term Care Insurance
What It Is: A standalone policy specifically designed to cover comprehensive long-term care expenses, including in-home care, assisted living facilities, and nursing homes. These policies are fully portable and provide coverage wherever you receive care.
Coverage Benefits: Provides the most extensive long-term care coverage per dollar spent with flexible daily or monthly benefit amounts for your selected benefit period. Ideal for Michigan residents planning comprehensive care coverage.
Premium Structure: Recurring payments (monthly, quarterly, or annually). Premiums may experience rate adjustments over time based on insurance company claims experience.
Health Requirements: Requires full medical underwriting with stricter health qualifications than hybrid options. Your current health can significantly impact eligibility and premium costs for Michigan applicants.
Tax Advantages for Michigan Residents: Premiums for tax-qualified long-term care insurance policies may qualify as medical expenses for federal tax deductions (subject to income thresholds). Benefits received are generally tax-free.
Life Insurance with Long-Term Care Rider (Hybrid Life + LTC)
What It Is: A permanent life insurance policy with an added LTC benefit rider that allows policyholders to access the death benefit early for qualified long-term care expenses, regardless of where care is received.
Coverage Benefits: Typically provides 2 to 4% of the death benefit monthly for long-term care with guaranteed cash value growth. Unused benefits pass to beneficiaries tax-free.
Premium Structure: Guaranteed level premiums that NEVER increase. Higher initial cost than traditional LTC insurance but protected from future rate increases. Can provide important stability for Michigan residents on fixed incomes.
Health Requirements: Moderate medical underwriting with more flexible health guidelines than traditional LTC insurance, making qualification easier for many Michigan applicants with health issues.
Tax Advantages for Michigan Residents: Can utilize 1035 exchanges from appropriate existing policies without tax consequences and can be funded with qualified retirement accounts (IRAs, 401(k)s).
Annuity with Long-Term Care Rider (LTC Annuity)
What It Is: A fixed rate or indexed deferred annuity contract with an integrated long-term care benefit rider, ideal for those seeking asset protection with a simplified approval process. Coverage is portable and can be used anywhere care is needed.
Coverage Benefits: Typically multiplies your annuity value by 2 to 3 times for long-term care expenses. For example, a $100,000 annuity might provide $200,000-$300,000 in LTC coverage. If not exhausted for healthcare, the annuity value transfers to your estate at death.
Premium Structure: Can be purchased with a single premium payment with NO future premium payments or rate increases. Best for Michigan residents with existing assets to reposition for long-term care planning.
Health Requirements: Simplified underwriting with the most lenient health qualifications, sometimes requiring only a phone interview rather than medical exams or records review. Ideal for Michigan residents with health concerns.
Tax Advantages for Michigan Residents: Supports tax-free 1035 exchanges from existing annuities, and LTC benefits are generally received tax-free under current federal tax rules.
Short-Term Care Insurance
What It Is: A policy that provides coverage for care in a nursing home, assisted living, or at home for a shorter duration, typically up to 12 months. Coverage is portable and can be used wherever you need short-term care.
Coverage Benefits: Helps cover costs for short-term care needs, including recovery from surgery, illness, or injury. Most policies have a 0-day deductible with benefits paid as soon as you qualify. This bridges gaps before long-term care insurance or Medicare coverage begins for services like home health aides.
Premium Structure: Generally lower than long-term care insurance due to the shorter benefit period, making it an affordable option for many Michigan families.
Health Requirements: Often features simplified underwriting with fewer health questions, making it easier to qualify. Very helpful for Michigan residents who may not meet traditional long-term care insurance health or age requirements.
Michigan Long-Term Care Partnership Program
The Michigan Long-Term Care Partnership began in 2016. Each dollar a qualified policy pays in benefits protects a dollar of your savings. Suppose your policy has paid $200,000. You could keep $200,000 in assets and still qualify for Michigan Medicaid. Income and the other eligibility rules still apply.
A Partnership policy must be tax-qualified, and you must live in Michigan when coverage begins. It also needs inflation protection that fits your age at purchase. At 60 and younger, benefits must compound annually. From 61 through 75, some level is required. At 76 and older, it is optional.
Assets protected during your lifetime are also protected from estate recovery after you pass away. They can go to your family.
That is the real appeal. Your policy pays first, and if it ever runs out, the savings it shielded remain yours.
Learn how Long-Term Care Partnership programs work nationwide ➜
Long-Term Care Insurance Companies in Michigan
Michigan residents have access to long-term care insurance from a wide range of trusted, financially strong carriers. We work with multiple top-rated LTC insurance providers to help you find a plan that fits your age, health, and budget, whether you’re looking for a traditional policy or a hybrid life + LTC option.
Below is a list of long-term care insurance companies available in Michigan:
USAA member? Explore USAA long-term care coverage ➜
AARP member? Review AARP long-term care insurance ➜
- Bankers Life & Casualty
- Brighthouse Financial
- Global Atlantic
- LifeSecure
- Mutual of Omaha
- National Guardian Life
- Nationwide Life Insurance Company
- New York Life
- Northwestern Mutual
- OneAmerica
- Securian Financial
- State Farm
- Thrivent Financial
These companies offer a mix of traditional and asset-based (hybrid) long-term care insurance policies. Availability and pricing vary based on your age, health history, and the type of coverage you need.
Read reviews and ratings of long-term care insurance companies ➜
Cost of Long-Term Care Insurance in Michigan
Traditional long-term care insurance costs in Michigan range from $1,500 to $5,000+ annually, depending on your age, health, and coverage choices. Most people pay between $2,000 and $3,000 per year for comprehensive coverage.
Several factors influence your premium:
- Age at purchase: Buying at 55 vs 65 can save thousands over time
- Current health status: Better health means lower rates
- Daily or monthly benefit amount: Typically $100 to $300 per day
- Total coverage limit: Usually $100,000 to $500,000+
- Elimination period: 30, 60, or 90-day waiting period before benefits start
- Inflation protection: Protects against rising care costs
Michigan Long-Term Care Insurance Recommendations
Our licensed Michigan professionals offer objective guidance on a wide range of long-term care insurance products and strategies. You’ll receive personalized service including:
✔ Finding the right coverage that fits your budget and protection needs
✔ Getting matched with Michigan’s top-rated carriers based on your specific situation
✔ Helping you secure coverage even with pre-existing health conditions
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FAQs About Long-Term Care Insurance in Michigan
Most Michigan buyers pay $2,000 to $3,000 a year for traditional coverage. That is about $167 to $250 a month. The full range runs $1,500 to $5,000 a year, or $125 to $417 a month. Your age, health, benefit amount, waiting period and inflation option set the price.
A private nursing home room averages $11,673 a month statewide in 2026. Assisted living runs $6,280. Those figures come from the Nationwide Financial 2026 Cost of Care Survey. Over a year, they total $140,081 and $75,359.
Yes. A home health aide in Michigan averages $80,450 a year at 44 hours a week, or $6,704 a month. Michigan law sets a floor. A policy that covers nursing facility care must also cover home care worth at least half of one year of its nursing home benefit. Traditional, hybrid life and LTC annuity coverage can all pay for care at home. Benefits usually begin once you need help with two of six daily activities, such as bathing or dressing, or need supervision because of cognitive impairment. A waiting period you choose at purchase applies first. Short-term care insurance, also sold in Michigan, can cover home care too.
Michigan law requires insurers to offer a 5% compound option. Companies may also offer lower rates, such as 3% compound, or simple increases. Compound options grow on prior increases. Simple options add the same amount each year. Higher rates cost more in premium. Younger buyers usually have the most years of increases ahead.
The Kalamazoo-Portage region covers Kalamazoo County. A private nursing home room averages $139,091 a year, or $11,591 a month. That is $990 below the state average. Assisted living runs $70,557 a year, or $5,880 a month. A home health aide averages $84,091 a year, or $7,008 a month.
The Niles region covers Berrien County, including Stevensville. A private nursing home room averages $140,965 a year, or $11,747 a month. Assisted living runs $85,126 a year, or $7,094 a month. That is $9,767 above the state average. A home health aide averages $66,146 a year, or $5,512 a month, the lowest of any Michigan region.
Last updated: October 09, 2026
Written by: Craig Matesky, President, ACACIA Insurance
Reviewed by: Mike Berger, National Sales Manager
Sources: