At the age of 65 you will qualify for Medicare, but did you realize that Medicare or most insurance policies don't cover many long term care expenses? The answer is to purchase Long Term Care health insurance from a well-established insurance company. You should purchase a policy between your 50's and 60's. It is also important to note that the older you are, the more expensive the policy becomes. Choose from a company that has a long track record to help ensure that the company will be in good standing when you need its services.