Do the ACA health insurance exchanges offer long-term care insurance?

Q: Do the ACA health insurance exchanges offer long-term care insurance?

A: No. The exchanges offer medical coverage, pediatric dental and vision coverage, and in many cases, adult dental and vision coverage. But they do not offer long-term care insurance.

Long-term care insurance helps with the cost of nursing home care and assistance at home for the elderly. While the Affordable Care Act included something called the Community Living Assistance Services and Support program (CLASS Act), intended to set up a national long-term care insurance program, the federal government ultimately decided it could not create that program in a cost-effective way, so it was scrapped before it ever got off the ground.

The CLASS program was intended to provide a benefit that averaged at least $50 a day, a relatively small amount compared with the cost of nursing home care.

Long-term care coverage is still available on the open market, though the premiums can get expensive as you age, and few people buy them. Caring for elderly relatives continues to be an unresolved problem for many American families.

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