How much does long-term care insurance cost for a couple?

Two healthy partners buying together in their late 50s to early 60s generally pay a combined $3,000 to $5,000 per year for traditional long-term care coverage. Most insurers give a spousal or partner discount of about 15% to 30% when both apply — often the single largest discount available.

Couples can also add a shared-care rider, which lets partners draw from a common pool of benefits, so one spouse can use the other partner's unused coverage if needed.

Exact pricing depends on each person's age and health and the benefits chosen, so a quote for both of you is the only way to see your real number.

General information only. This is educational and not insurance, legal, tax, or financial advice. Rules and products vary and change — confirm the specifics with a licensed professional.