Starting mid-April, 2013, pricing will be much higher, especially for women.  Roll-out of changes vary by state of residence and insurance company.  Your family health history as well as your health history will be evaluated more thoroughly than it is with current policies.  This change will affect some people who are currently easily insurable. The high cost of care today and tomorrow, increasing longevity, increasing probability of requiring care, and the severe impact on family lifestyle and finances makes long term care a front burner issue.