Can you get long-term care insurance with atrial fibrillation (AFib)?
Often yes. Well-managed AFib — controlled rate or rhythm, on appropriate medication, without other significant heart disease — is frequently insurable, sometimes at standard rates. It gets harder when combined with heart failure, stroke, or other conditions.
Atrial fibrillation is common, and on its own it is often not a barrier to long-term care coverage. Underwriters focus on whether it is controlled and whether it comes with other heart problems.
What matters
- Control. AFib managed with rate- or rhythm-control medication, and stable, is viewed favorably.
- Blood thinners. Taking an anticoagulant for AFib is generally not disqualifying — underwriters expect it, and want to see stroke risk being managed.
- Stroke history. A prior stroke alongside AFib is a bigger concern than the AFib alone.
- Other heart disease. AFib combined with heart failure or coronary disease is underwritten more strictly.
Frequently asked questions
Is AFib a problem for long-term care insurance?
Not usually on its own. Well-controlled atrial fibrillation without other heart disease is frequently insurable, sometimes at standard rates.
Do blood thinners affect eligibility?
Taking an anticoagulant for AFib is generally not disqualifying. Underwriters focus on whether the AFib is controlled and stroke risk is managed.
General information only. Underwriting varies by carrier and changes often, and we do not publish carrier-specific approval thresholds. Nothing here is a guarantee of coverage or a quote — only a licensed carrier reviewing your medical history can tell you what you qualify for. This is educational and not insurance, legal, tax, or financial advice.
Not sure if you'd qualify? Get a free, no-obligation review
Free cost comparison
See personalized long-term care insurance costs from the carriers still writing new policies in 2026 — no obligation and no pressure.
Request a free, no-obligation cost comparisonFree LTC planning report
Prefer to read up first? Get our plain-English guide to planning and paying for long-term care, delivered to your inbox.
Get the free LTC planning report