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Federal estimates suggest 70% of people ages 65 and older will need long-term care before they die, but only 3% to 4% of Americans age 50 and older are paying for long-term care policies, according to insurance industry figures.

Medicaid has become the primary safety net for long-term care in the U.S., covering more than 50% of the estimated $400 billion in long-term care costs annually, according KFF, a nonprofit independent organization focused on health policy.