Florida Long-Term Care Costs (2026)
Below are the estimated 2026 long-term care costs for Florida, compared to national averages. Florida has 7 VA healthcare facilities.
| Care Type | Monthly Cost | Annual Cost | vs. National |
|---|---|---|---|
| Nursing Home (Private Room) | $11,184 | $134,208 | +2% |
| Nursing Home (Semi-Private) | $9,538 | $114,456 | -2% |
| Assisted Living Facility | $4,387 | $52,644 | -18% |
| Memory Care Facility | $6,103 | $73,236 | -12% |
| In-Home Health Aide | $5,663 | $67,956 | -10% |
| Adult Day Care | $1,600 | $19,200 | -20% |
Key Cost Highlights for Florida
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Compare LTC Insurance5-Year Cost Projection for Florida
Based on a 4% annual healthcare inflation rate, here is how Florida long-term care costs are projected to change over the next 5 years.
| Year | Nursing Home (Private) | Assisted Living | Memory Care |
|---|---|---|---|
| Year 1 (2026) | $11,184 | $4,387 | $6,103 |
| Year 2 (2027) | $11,631 | $4,562 | $6,347 |
| Year 3 (2028) | $12,097 | $4,745 | $6,601 |
| Year 4 (2029) | $12,580 | $4,935 | $6,865 |
| Year 5 (2030) | $13,084 | $5,132 | $7,140 |
Medicaid Long-Term Care Coverage in Florida
Florida Medicaid covers nursing home care. SMMC Long-Term Care program provides HCBS. Income limit ~$2,829/month. Florida has NOT expanded Medicaid under ACA.
Key Medicaid rules for Florida residents seeking long-term care coverage:
- Income limit: Approximately $2,829/month for an individual applicant
- Asset limit: Approximately $2,000 in countable assets (individual)
- Home exemption: Primary residence is typically exempt (up to state equity limit)
- Look-back period: 5 years (60 months) for asset transfer review
- Community spouse: May retain $30,828-$154,140 of combined assets
Medicaid rules are complex and change frequently. Consult with an elder law attorney in Florida for personalized guidance. Use our estate tax calculator to understand how asset protection strategies may help.
VA Facilities and Veterans Benefits in Florida
Florida has 7 VA healthcare facilities serving veterans. Eligible wartime veterans in Florida may qualify for the Aid and Attendance benefit, providing up to $2,431/month for those needing help with daily living activities.
The Aid and Attendance benefit can be used toward any type of long-term care in Florida, including nursing homes, assisted living, memory care, and in-home care.
Tax Considerations for Retirees in Florida
No state income tax. Florida is very tax-friendly for retirees.
Tax-friendly states can significantly reduce total retirement costs when combined with long-term care expenses. Use our retirement calculator to model the impact on your overall financial plan.
How to Plan for Long-Term Care in Florida
- Estimate your costs using the LTC cost calculator with Florida-specific rates
- Review your Medicare coverage to understand what is and is not covered with our Medicare calculator
- Get LTC insurance quotes from multiple providers while premiums are affordable
- Explore life insurance options including policies with LTC benefit riders via our life insurance calculator
- Consult an elder law attorney in Florida for Medicaid planning and asset protection
- Check VA benefits if you or your spouse served in the military during wartime
Compare Medicare Supplement Plans in Florida
Make sure your Medicare coverage includes the benefits you need as you plan for potential long-term care.
Compare Medicare PlansCompare Long-Term Care Costs in Other States
Exploring different locations? Compare long-term care costs across all 50 states to find the most affordable options for your family.
