Arizona Long-Term Care

Specific long-term care information pertaining to Arizona.

Important State Information

Federal Partnership Program

The State of Arizona participates in the federal/state partnership program. This program provides additional asset protection. In the event that you exhaust your benefits from a qualified Arizona Partnership Long-Term Care policy, the state will provide you dollar-for-dollar asset protection. This would allow you to qualify for Medicaid long-term care benefits while retaining more of your assets than what Medicaid would typically allow.

Policy Example

For example, your policy pays out $425,000 in benefits but you are still alive and require care. You earn a Medicaid asset disregard that allows you to shelter that same amount over the asset level you would otherwise be forced to meet in order to be eligible for Medicaid’s Long-Term Care benefit. The Partnership Program also protects those assets after death from Medicaid estate recovery.


Most states have reciprocity with other states' long-term-care partnership programs including Arizona. This means if you move from or to Arizona your partnership asset protection follows you as well.


Long-Term Care Medicaid spend down is $2,000. A spouse’s minimum asset allowance is $25,284. Your spouse’s minimum monthly income allowance is $2,057.50. *

For more information about the Medicaid program visit

Rate Stability Rules

In addition, Arizona consumers enjoy additional peace-of-mind as the state has adopted Long-Term Care Insurance Rate Stability Rules. These rules, developed the National Association of Insurance Commissioners, makes it much harder for an insurance company to get an approved rate increase.

Products Approved in Arizona

A variety of affordable products are approved in Arizona for Long-Term Care Insurance planning. These options include tradition policies, including partnership certified policies, limited-duration plans, and asset-based “hybrid” policies.

Tax Incentives

No state tax incentives exist for Arizona residents at this time. Federal tax incentives do apply.

*The federal government sets a new minimum and maximum amounts each year, but states can set their own minimum requirements at any level between the federal limits. This information is based on the best available sources.

Arizona state emblem
State Breakdown
State Partnership Program
State Tax Incentives
Federal Tax Incentives
Rate Stability Rules
Medicaid Spend Down $2,000
Minimum Asset Allowance $25,284
Minimum Monthly Income Allowance $2,057.50

Calculate the Cost of Care in Arizona

View the costs of Long-Term Care in your area. Use the slider below to view future costs of care services with inflation.

Arizona Median
Long-Term Care 2019 2034(+16 Years) 2019 2034(+16 Years)
Homemaker Services $53,614 $83,528(+$31,476) $49,489 $77,103(+$29,055)
Home Health Aide $54,792 $85,364(+$32,168) $49,489 $77,103(+$29,055)
Adult Day Care $24,772 $38,593(+$14,543) N/A N/A
Assisted Living Facility $46,968 $73,175(+$27,575) $63,005 $98,160(+$36,990)
Semi-Private Room $80,266 $125,052(+$47,124) $96,808 $150,823(+$56,835)
Private Room $97,747 $152,287(+$57,387) $103,386 $161,072(+$60,697)

Long-Term Care Throughout Arizona


Phoenix is the largest metro area in the state. It also has the most expensive average nursing home costs as well. The average skilled nursing facility is running $8,459 a month. Assisted Living averages $3,850 a month. Adult Day Care Centers average $2,167 a month. Care at home, based on a 44-hour week, averages $4,767 a month. The Phoenix metro includes Avondale Buckeye, Chandler, Gilbert, Glendale, Goodyear, Mesa, Peoria, Scottsdale, Surprise, Tempe. 


Tucson is the second-largest metro area in Arizona and home of the University of Arizona.  The average skilled nursing facility is running $8,213 a month. Assisted Living averages $4,044 a month. Adult Day Care Centers average $1,733 a month. Care at home, based on a 44-hour week, averages $4,671 a month.

More Locations

Other population centers in Arizona include Apache Junction, Bullhead City, Casa Grande, El Mirage, Flagstaff, Fountain Hills, Kingman, Lake Havasu City, Marana, Maricopa, Oro Valley, Prescott, Prescott Valley, Queen Creek, Sahuarita, San Luis, Sierra Vista, and Yuma