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Supply or Demand: Why is the Market for Long-Term Care Insurance So Small?
National Bureau of Economic Research [NBER] 
Sept. 21, 2004
Excerpt: Long-term care represents one of the largest uninsured financial risks facing the elderly in the United States. Whether the small size of this market is driven primarily by supply side market imperfections or by limitations to demand, however, is unresolved, largely due to the paucity of data about the structure of the private market.
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