I'm amazed at how many people in the last week have told me they wish they would have taken the new Washington tax, or WA Cares Act more seriously sooner, when more options were available from insurers.  Today, in Washington, there are only a few companies offering limited LTC coverage options.  Other states are watching to see if the WA plan will work, and several are already developing drafts for their own state as every state is working to figure out how to afford to provide for those who can't or won't plan for themselves.  Don't wait until your state throws everyone into a panic to "hurry up" and buy LTC insurance without first educating yourself, and then designing a plan that meets your family's needs.