The American Association for Long-Term Care Insurance found in a study that applicants for LTC insurance who were in good health (typically, younger applicants) qualified for discounts of up to 20% a year.
In another study only 12% of residents of a long-term skilled nursing facility wanted intensive-care unit treatment that would put them on a breathing machine.
Dr Cook-Deegan was one of the authors of a study that showed a significant risk of adverse selection in the market for long-term-care insurance (the sort bought by the young in order to ensure they have nursing care when they become old and infirm).