"[T]he literature to date has little empirical evidence on whether the government has been successful in expanding the private long-term care insurance market.... [S]tate adoption of these programs increased the incidence of having long-term care insurance by 3 percent and decreased Medicaid use among respondents by 18 percent. [There is also] an increase in private long-term care insurance policies that provide nursing home care and a decrease in plans that provide in-home care."  MORE >>