One of the nation’s largest providers of long-term care insurance is planning to raise premiums an average of 40% next year: a move that revives the longstanding question of whether the pitfalls of buying a long-term care policy outweigh the payoffs. One of the nation’s largest providers of long-term care insurance is planning to raise premiums an average of 40% next year — a move that revives the longstanding question of whether the pitfalls of buying a long-term care policy outweigh the payoffs.