Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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2009 Health Care Reform Bill Affects Long Term Care Insurance

The 2009 health care reform bill has affected long term care insurance in a variety of ways. In fact, the health care reform is in the process of changing the face of healthcare in this country for the foreseeable future.

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Under this program it should be easier for many people who need it to get a government run insurance program for long term care. However, while it may ease costs for certain individuals who qualify, the introduction of the government into the long term care insurance equation is sure to spell higher rates and inequality.

Some stats will not change regardless of the health care reform. More than 40% of us will need long term care before we reach 65 years old. That is 2 out of 5 people. There must be reliable options in place to take care of those massive numbers of people with dignity. If the federal government wants to get involved in health care, it must do its best to ensure that the private sector remains strong and dominant.

Understanding the 2009 Health Care Reform Bill

As with so many new government bills, there are countless different interpretations on it. Some people say it’s great. Others say it is the big downfall for our society. In reality, it is probably somewhere in between. Understanding a little more about what others are saying about it will help to uncover the true impact of the health care reform bill.

As of October 2012, the federal government will offer a long term care type of insurance for those who volunteer to enroll in it. This program will give people cash amounts with which to purchase their own care and to provide support for their disability. This is to ensure independence off all people. There will also be a program started for those who are disabled, so their daily activities at home are facilitated. Medicaid will help to develop alternative solutions to nursing homes that are more community based care.

One of the main focuses with the 2009 Health Care Reform Bill is to make sure that no one drops through the cracks, as has happened so many times in the past. This new system protects the uninsured and gives them more options. It also helps those who up to this point have sacrificed to keep some form of long term care insurance. They now have infinitely more options available to them.

To discover your options at this point in time enter your zip code into the online insurance rates tool on this page!

Unfortunately many people who are involved in the analysis of the health care reform and its impact on citizens of this country do not see significant changes in regards to long term care insurance.

It has been discussed that there is not enough structure in place, individual states are left to make decisions about rationing the money for each program and often none goes to long term care. According to many people, those who most need long term care with dignity are the ones being left behind in this new reform bill.

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Buying Long Term Care Insurance Now

When you are ready to purchase long term care insurance, look no further than the free online quote tool. This device allows you to shop around quickly and easily because it does all the work for you.

Simply input your zip code to start and then let the tool guide you through the rest with its relevant questioning and then submitting your information to the right place. Top quality insurance companies offering policies in the area that you want to purchase your long term care option in will provide you with various quotes.

Once you start to get LTC insurance quotes, you will need to evaluate them carefully to be sure they are for the same term and the same type of coverage. Read it carefully for limitations and loopholes. A plan that has fewer options will definitely be cheaper than plans that offer flexibility. Make sure you are comparing apples with apples.

When you have narrowed down your choice it is necessary to delve even a little deeper with the insurance companies still in the running. Look into their customer service track record by checking their complaints record with the state department of insurance. You can also do a search engine search to get such info. Find out about the financial stability of the insurer by checking with one of the independent insurance rating companies like A.M. Best, Standard & Poor’s or Weiss Ratings.

Get the free quote tool working on your behalf now and get the long term care insurance rates you want today!