Morningstar advice for long term care insurance
About half of people turning 65 will need paid longterm care (https://aspe.hhs.gov/reports/what-lifetime-risk-needing-receiving-long-term-services-supports-0) and the average duration is 3.7 years for women. 2.2 years for men.
Can use https://www.genworth.com/aging-and-you/finances/cost-of-care.html to estimate the cost of care in your area.
If you can cover your normal expenses + the cost create a long term care fund. (https://archive.vn/hxy3E) The key thing to keep in mind is that you can deduct healthcare expenses that exceed 7.5% of your AGI. So you probably want it to be in your IRA not your Roth or HSA.
If you insure you should check the financial health of your insurer. 20% of applications are denied(https://www.aaltci.org/long-term-care-insurance/learning-center/ltcfacts-2019.php#2019declines). Hybrid policies are hard to comparison shop