 Without a properly written health care plan, it is likely that you will begin to fear running out of money at some point in your life. And this is why we address this no-go-year expense called long-term care. Now, I'm not a huge fan of long-term care insurance. I'm not against it if you already have it, especially if you got it at a decent price. But if you don't have it, or you've recently just seen your premiums continue to climb, there may be a better way.