What you read is not always the full story. Most long-term care insurance policies are intended to have level premiums. There are some policies where the premium does go up each year, by design, as benefits increase or you elect to increase benefits. However, most policies have premiums which are intended to remain level based on your age at the time of application, your health, and the amount of coverage you selected. Since most people will select some kind of inflation protection, the premium is intended to remain level while the benefits increase—the cost of the inflation benefit is already factored into the premium. As you read articles about premiums increasing, be aware that there are plans that intentionally go up over time.