Most people want to choose where they go instead of having to go where they are taken, and if independence is important to them they will either need to have either a large estate or adequate insurance
You can’t buy long term care coverage at crisis time or only the time you need it. Investing in a LTC policy early can help.
Medicaid kicks in only after a person’s assets and dignity are gone. In many states the eligibility threshold for single people is $1,500 in assets.