There are two kinds of long term care insurances the individual long term care and the group long term care, as the names suggest the individual long term care insurance involves the insurer and the insured person. These kind of individual health policies need to be approved by the California department of insurance.
Where as group health policy involves a group and the insurer. Normally group insurances are always priced less than the individual policies. The same applies here too.
Look for a job that covered parts of health insurance, is always better that company pay for some then you pay all by yourself, UPS is one big company that has health insurance even for part time worker.
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