As long term care costs continue to rise the younger generation watches what is happening to their parents and grandparents and say they will plan for the future. The annual average cost of nursing home care has reached $91,250 and assisted living is $43,200. Costs for care at home are rising more slowly with a home health aide at $20 per hour. The Genworth Cost of Long Term Care study underscores why it is important to plan for long term care and shop carefully for long term care insurance. Longevity Alliance offers a Consumer's Guide to Long Term Care to assist people with understanding long term care insurance.