Long term care insurance premiums can vary depending on several factors. These factors include the age of the insured individual, the amount of coverage desired, the length of the benefit period, the elimination period, the inflation protection option chosen, and the individual's health at the time of application. Age is a significant factor in determining the cost of long term care insurance premiums. Generally, the younger you are when you purchase a policy, the lower your premiums will be. Coverage amount refers to the maximum amount the insurance company will pay for covered services. The higher the coverage amount, the higher the premium. Benefit period is the length of time the insurance company will pay for covered services. Longer benefit periods typically result in higher premiums. Elimination period is the waiting period before the insurance company starts paying benefits. Shorter elimination periods usually result in higher premiums. Inflation protection is an option that helps your policy keep pace with rising long term care costs. Policies with inflation protection typically have higher premiums. Finally, health plays a role in determining the cost of long term care insurance premiums. Insurance companies may require medical underwriting, and individuals with pre-existing health conditions may face higher premiums or be denied coverage altogether. It's important to note that the cost of long term care insurance premiums can vary significantly between insurance companies, so it's advisable to shop around and compare quotes from multiple providers.