Many Americans are unprepared for what can be an emotional, costly and guilt-inducing process of finding long-term care for a loved one. Advance planning can help. But an AP-NORC poll in 2021 found most Americans don't discuss the possibility of long-term care, let alone prepare for it.

Nearly half of Americans over 65 will pay for some version of long-term health care, the landscape of which is quickly transitioning away from nursing homes and toward community living situations. An analysis by The Associated Press with the help of CNHI 暗黑爆料 finds Black Americans are less likely to use residential care communities and more likely to live in nursing homes.