As the baby boomers get older, they face an important question: Who is going to take care of them when they can no longer care for themselves? About 13 percent of Americans try to answer this question by buying long-term care insurance, which is a fraction of those who will need help. Yet issues with long-term care insurance, including rising costs and exclusions, make it less popular than it was a decade ago. Fewer people are buying long-term care insurance, fewer companies are offering it, and medical underwriting is getting more stringent as premiums rise. Is long-term care insurance a good option for you? The question is not as easy to answer as you might think. Read all about it on Living on the Cheap.