States should work to stabilize rates for long-term-care insurance and control the cost of long-term-care services through legislation and regulations, according to analyst Ari Houser of the AARP Public Policy Institute. In a paper on the "private-pay affordability" of such services, Houser compared the median cost of home health care and nursing home care with the median annual income of those 65 and older. Long-term-care insurance "can make private pay services affordable for those with policies, but market penetration is low," he wrote in the paper.

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