Minnesota, Washington and Oregon topped the ranking, which looked at 26 variables, including affordability and whether patients could get good paid care at home. Alabama and Kentucky came in last. Fred Froese/iStockphoto hide caption

itoggle caption Fred Froese/iStockphoto

The first lesson of long-term care insurance: Shopping before health problems set in improves your chances of being accepted while tempering lifetime premium payments. iStockphoto.com hide caption

itoggle caption iStockphoto.com

The health services offered in 30 years may not be explicitly covered by the long-term care insurance you buy today. Pamela Moore/iStockphoto.com hide caption

itoggle caption Pamela Moore/iStockphoto.com