Long Term Care is just another insurance product

Health insurance is becoming the new tax...people have no choice, they must opt in. But health insurance, as a product is failing, people with health insurance cannot afford to pay the remaining parts of their bill after insurance coverage. Coaxed into believing that the coverage is better than nothing, we ignore that coverage is becoming nothing. Long term care is the newest re-packaging of the problem. Now, capitalizing on the fear of the infirmity of old age, people are shelling out money for policies that may never be there for them. (Of course, that's why we buy insurance, just in case). But what just in case are they covering? I predict that within ten years we will start seeing the grumble of people experiencing the same problems of delays, avoidance and inadequacy of this latest expensive product. Without any demands that the insurance industry shift its focus from unfettered profit to profit incidental to providing a needed service, we are watching the governments of states and the feds encourage people to have long term care insurance. What on earth is this? People must choose to stop buying garbage. The ten year prediction? Most older folks have declined to purchase this kind of coverage as "too expensive". The know it all boomers think they've discovered the next best thing....an insurance policy that is expensive and has so many exclusions that you or your estate may be filing appeals for years after your event? Maybe it's time to learn from our elders and just say no.