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My thanks to all who replied to my questions.

Comments: The $5,000/yr premium (for nursing home care) was what I was quoted for my husband only, age 60 - I haven't done a lot of research yet, so assumed that was fairly standard. But even if I found a lot less expensive premium (as one of the responses quoted), the cost would still be at least $5,000/yr for BOTH of us, and that's just more than I want to pay.

I will look into BC/BS large deductible medical care here in Texas. Thanks again.

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