My Parents are in young 70s on Medicare with supplement. Talked to Mom she said they have enough money for 2.5 years of nursing home care. Mom said 2.5 years is average nursing home stay. ....... from How to Pay For Nursing Home Costs | Best Nursing Homes | US News A semi-private room ran $222 daily, or more than $81,000 per year. And the average nursing home stay is 835 days, or more than two years, according to the government's latest National Nursing Home Survey. ....... Any suggestions/insurance products to mitigate this risk (other than stay healthy). Maybe LTC insurance. My parents said they looked at LTC insurance, but didn't to buy it.