PolymerMom, I think you are trying to beat the house at the big casino in the sky.They tell me that there is a very specialized profession called actuarial science. They are the ones who figure the odds for everything and advise the insurance companies on what to charge at what age so people like you can't beat the system. The rates are selected so that based on the chances of you collecting exactly balance with what you pay at any age based on some reasonable rate of return.At first approximation, no matter what choice you pick, your costs will all be the same. Of course, if you can invest your own money at higher return than the insurance company rate, you might come out a bit ahead. But similarly if you come up with any diagnosis that makes the need for long term care more likely, you will probably become uninsurable.So if you think you need insurance, its better to buy it sooner. Either that or plan on being self insured. That is to say, invest the funds that you would have paid in premiums wisely and safeguard them for the possibility that you might need long term care some day.My objections to long term care insurance are 1) most people who pay in never collect a dime. Only about one third of us ever spend a day in a nursing home.2) if you have insurance and decide you need nursing home care, the amount paid by insurance will almost always not be enough to cover the cost of your care.3) the insurance company can and will constantly raise prices in order to cover the rising costs of care. Can you keep up?4) you are paying the insurance company a fee to invest your funds for you so you can fight with them to give them back to you when or if you ever need them.I prefer the self insurance route.