Long-Term Care Is Changing—Here’s What You Need to Know Before 2026

Long-term care needs across California are rising, and families are feeling the impact. Care is becoming more complex, support needs are increasing, and costs continue to climb. As we approach 2026—and with significant changes expected under state and federal programs—thoughtful, proactive planning is becoming essential rather than optional.

The Hidden Gaps Families Don’t Expect

Many families assume Medicare will cover nursing home care, assisted living, or in-home custodial support. In reality, Medicare provides only short-term rehabilitation—not the ongoing care most families eventually need. Without planning, the true cost of long-term care often falls entirely on loved ones, forcing rushed decisions, accelerated spend-down of assets, and stressful last-minute Medi-Cal applications.

What to Prioritize Before the New Year

Now is an ideal time to review your estate plan, confirm that your chosen decision-makers have the authority they need, and consider whether long-term care insurance or a hybrid policy could support your goals. This is also an important moment to understand how upcoming Medi-Cal rule changes may affect eligibility and planning options in 2026 and beyond.

Early planning provides more flexibility, more choices, and far greater peace of mind. It helps protect your assets, reduces emotional strain on loved ones, and ensures you remain in control of your care—no matter what the future holds.

If you’re ready to explore your options or want clarity on where to begin, we’re here to guide you every step of the way.