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Minnesota Long-Term Care

Explore and learn information about long-term care and insurance for Minnesota residents.

Minnesota Cost of Care Calculator

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

Minnesota Median
Long-Term Care 2021 2036(+15 Years) 2021 2036(+15 Years)
Homemaker Services $5,302 $8,764(+$43,394) $4,124 $6,817(+$33,751)
Home Health Aide $5,695 $9,413(+$46,608) $4,910 $8,115(+$40,179)
Adult Day Care $1,852 $3,062(+$15,159) $1,805 $2,983(+$14,771)
Assisted Living Facility $4,120 $6,810(+$33,717) $4,378 $7,235(+$35,824)
Semi-Private Room $9,399 $15,535(+$76,916) $9,281 $15,340(+$75,955)
Private Room $10,494 $17,345(+$85,879) $10,252 $16,946(+$83,903)

Care Facilities in Minnesota

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State Information

Federal Partnership Program

Minnesota participates in the federal/state long-term care partnership program. The Minnesota Long-Term Care Partnership is a public/private arrangement between long-term care insurers and Minnesota’s Medical Assistance program. It enables Minnesota residents who purchase certain long-term care insurance policies to have more of their assets protected if they later need the state to help pay for their long-term care expenses. Minnesota is using this approach to give persons greater control over how they finance their long-term care and to help shore up the public safety net against coming demographic pressures.

This program, authorized by federal law, provides a policy owner dollar-for-dollar asset protection in the event they exhaust benefits and need to access Medicaid Long-Term Care Benefits.

A Minnesota Long-Term Care Partnership policy allows a person to protect assets beyond the $3,000 amount an individual usually must spend-down in assets. Under the Minnesota Long-Term Care (LTC) Partnership, a person who buys and uses a policy to pay for LTC is able to protect their assets if they later need to apply for Medicaid which is known as Medical Assistance in Minnesota. Assets protected under a Long-Term Care Partnership policy are protected from estate recovery.

Policy Example

If your Minnesota Partnership Long-Term Care policy pays $350,000, for example, that same amount will be disregarded when calculating the spend-down requirements for Medical Assistance. So, this individual could protect $350,000, plus the $3000 normally allowed and still access Medical Assistance.


Most states have reciprocity with other states' long-term-care partnership programs including Minnesota. This means if you move from or to Minnesota your additional partnership asset protection will be honored.


Long-Term Care Medicaid spend down is $3,000. A spouse’s minimum asset allowance is $130,380. Your spouse’s minimum monthly income allowance is $2,155 * The home equity limit is $603,000.

For more information about the Medicaid program visit www.medicaid.gov.

Rate Stability Rules

In addition, Minnesota 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 Minnesota

A variety of products are approved in Minnesota for Long-Term Care planning. These include traditional and partnership certified plans, and asset-based “hybrid” policies.

Tax Incentives

Minnesota has a state income tax credit equal for qualified long-term care insurance policies. You may claim this tax credit if you purchase long-term care insurance for yourself or your spouse. To be eligible for the Minnesota Long-Term Care Insurance Credit, both of the following must be true: The policy you purchased qualifies as a federal deduction (disregarding the 7.5 or 10 percent income test).  For more information, view IRS Publication 502, Medical and Dental Expenses. The policy has a lifetime benefit limit of $100,000 or more. The credit amount is equal to 25 percent of the policy premium(s), up to $100 per beneficiary. For married couples, one policy covering both spouses will be eligible for the $200 maximum credit; separate policies or premiums are not required.

Federal tax incentives also 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.

State Breakdown
State Partnership Program
State Tax Incentives
Federal Tax Incentives
Rate Stability Rules
Medicaid Spend Down $3,000
Minimum Asset Allowance $26,076
Minimum Monthly Income Allowance $2,155
Compare with All States

Long-Term Care Throughout Minnesota


Minneapolis – St. Paul is the largest metro area in the state. The average cost of a skilled nursing facility runs $10,121 a month. The cost of an Assisted Living Facilityaverages $4,425 a month. Adult Day Care Centers $1,798 a month. Care at home, based on a 44-hour week, averages $5,815 a month.

More Locations

Other population centers in Minnesota include Andover, Apple Valley, Blaine, Bloomington, Brooklyn Center, Brooklyn Park, Burnsville, Coon Rapids, Cottage Grove, Duluth, Eagan, Eden Prairie, Edina, Inver Grove Heights, Lakeville, Mankato, Maple Grove, Maplewood, Minnetonka, Moorhead, Plymouth, Richfield, Rochester, Roseville, Savage, Shakopee, St. Cloud, St. Louis Park, and Woodbury.

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