What is Long Term Care?
Long term care involves services that meet a person’s health or personal care needs. Services help people live as independently and safely as possible. Long term care can be provided in the home by a paid or unpaid caregiver, in a community location such as an adult day care, or in a facility such as a nursing home or assisted living facility.
Pursuant to House Bill 493, which became effective during the 2017 legislative session, long-term care insurers are required to provide a one-time notice to their insureds advising that information about long-term care rate requests may be found on this web page. Receiving this notice does not necessarily imply that your long-term care insurance company is requesting a rate increase at this time. To determine if your long-term care insurance company is requesting an increase, please look under the "Long-Term Care Hearing Information" and the "Long-Term Care Rate Information" tabs below. To be notified of future rate hearings, rate approvals or other insurance industry news, please subscribe to email notifications.
Long-Term Care Hearing Information:
Pursuant to Section 11-703(d) of Maryland's Insurance Article, the Maryland Insurance Administration is required to hold rate hearings, at least quarterly, to review long-term care insurance rate filings received by the Commissioner during the preceding 3-month period. However, a hearing is not required if the Commissioner has not received a long-term care insurance rate filing during the preceding 3-month period.
June 18, 2026
Actuarial Memorandums:
TBA
Long-Term Care Approved Rates for 2026
Consumer Resources:
Insurance Laws addressing Long-Term Care Insurance
Insurance Regulations addressing Long-Term Care Insurance
To learn more about insurance-related resources for older adults,
click here.
