As our lives are getting longer, deciding how we’ll spend our twilight years is of growing importance. Almost 70% of people will need some form of long-term care, generally for 3 or more years. The costs of these services can be high, averaging over $3,000 a month for assisted living and over $6,000 a month for nursing home care. Home health care averages about $20 an hour. These costs can be intimidating, but there are many options for planning ahead.