Because you can be caught in an accident or develop a disabling disease at any age, the question can be academic. A car accident could leave you partially paralysed but otherwise “healthy” for twenty years. A degenerating disease may also take years of slow decline before you finally die. These are not cheerful thoughts but you have to confront the reality of the decisions to be made. You may have to plan on financing care or assistance for several years depending on the degree of disability.
If only a few hours of unskilled help each day are needed in your own home, the cost may be no more than $20,000 per year. This is simply relief assistance to allow your family or relatives time for themselves. Full-time nursing in a residential home can cost four or five times this amount depending on where you are and what local demand there is for places.
Remember that most medical policies only cover medical costs, i.e. of time given by surgeons, doctor and nurses, and for medication. Thus, unskilled aid for routine tasks is not covered. The question is how long you can pay for this help out of your own pocket and what will happen when your own money runs out. Look at the figures for traffic accidents. Look at the figures for the incidence of disability in old age and make the decision that is right for you.
Also read about cheapest health insurance online.