Pennsylvania Long-Term Care

Important State Information

Federal Partnership Program

On July 17, 2007, Governor Edward G. Rendell signed Act 40 into law in an effort to address the growing need for long-term care services. Act 40 grants strong consumer protections for purchasers of long-term care insurance and establishes a “Long-Term Care Partnership.” This program offers Pennsylvanians the opportunity to provide for their own needs while helping to conserve taxpayer resources.

Normally individuals must spend down, or exhaust, their resources, leaving many families reliant on public assistance. People who purchase a Pennsylvania Long-Term Care Partnership Policy may still qualify for Medical Assistance after depleting their insurance benefits, without losing the asset protection the partnership policy provides.

The Commonwealth of Pennsylvania says Long-Term Care is a personal responsibility — its risk and cost should not be ignored. Medical Assistance is a safety net, but only for those truly in need. Everyone who is financially and medically qualified should begin now to save, invest, and insure for long-term care. 

Policy Example

Authorized under federal law (Deficit Reduction Act of 2005), Long-Term Care Partnership encourages Pennsylvanians to purchase long-term care insurance by providing asset coverage equal to the benefits paid by the policy. This is called dollar-for-dollar asset protection. For example, a person whose qualifying policy paid $300,000 in benefits for care would be entitled to keep $300,000 in assets if that individual needed to apply for Medical Assistance (Medicaid) after exhausting benefits in the LTC insurance policy. This is referred to as “dollar-for-dollar asset protection.”

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 Pennsylvania. This means if you move from or to Pennsylvania your partnership asset protection follows you as well.


Long-Term Care Medicaid spend down is $2,400. 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, Pennsylvania 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 Pennsylvania

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

Tax Incentives

Pennsylvania does not offer any state tax incentive for qualified Long-Term Care insurance. However, federal tax incentives are still available.

*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.

Pennsylvania state emblem
State Breakdown
State Partnership Program
State Tax Incentives
Federal Tax Incentives
Rate Stability Rules
Medicaid Spend Down $2,400
Minimum Asset Allowance $25,284
Minimum Monthly Income Allowance $2,057.50
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Calculate the Cost of Care in Pennsylvania

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

Pennsylvania Median
Long-Term Care 2019 2034(+16 Years) 2019 2034(+16 Years)
Homemaker Services $51,846 $80,775(+$30,439) $51,846 $80,775(+$30,439)
Home Health Aide $53,330 $83,087(+$31,310) $51,846 $80,775(+$30,439)
Adult Day Care $17,407 $27,120(+$10,220) $17,407 $27,120(+$10,220)
Assisted Living Facility $46,350 $72,212(+$27,212) $46,350 $72,212(+$27,212)
Semi-Private Room $118,800 $185,087(+$69,747) $139,102 $216,716(+$81,666)
Private Room $125,004 $194,752(+$73,389) $168,238 $262,110(+$98,772)

Long-Term Care Throughout Pennsylvania


Philadelphia is the largest metro area in the Commonwealth of Pennsylvania. The average cost of a skilled nursing facility runs $12,167 a month. The cost of an Assisted Living Facilityaverages $5,318 a month. Adult Day Care Centers average $1,668 a month. Care at home, based on a 44-hour week, averages $4,576 a month.


Pittsburgh is the second-largest metro area in Pennsylvania. The average cost of a skilled nursing facility runs $9,339 a month. The cost of an Assisted Living Facilityaverages $3,150 a month. Adult Day Care Centers average $1,365 a month. Care at home, based on a 44-hour week, averages $4,881 a month.

More Locations

Other population centers in Pennsylvania include Abington, Allentown, Altoona, Bensalem, Bethlehem City, Bristol Township, Erie, Harrisburg, Haverford, Hempfield Township, Lancaster, Lower Merion, Lower Paxton, Middletown, Millcreek Township, Penn Hills, Reading, Scranton, State College, Upper Darby, Wilkes-Barre, and York.

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