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People are unrealistic about long term care... and about the WA Cares Act providing any decent coverage.

LTC Costs in WA are $200+/day for home care & assisted living and $300+/day for nursing home. The $100/day benefit is not going to stop people going backrupt paying the difference out of pocket.

The problem is that after insurance companies were flooded with low premium applications they either suspended sales (Mutual of Omaha, John Hancock, Thrivent, etc) or they raised the minimum premium to disuade applicants since most were not looking to the insurance for protection, just to opt-out of the tax. guidetolongtermcare.com

Articles need to address the problem: the risk. Transamerica says 72% of women and 44% of men will need care. The Dept HHS says 70% (not including home care & assisted living - longtermcare.gov)

Some European countries provide from cradle to grave... and they pay a high tax. Americans don't like to be taxed, but the long term care risk is there, like in Europe... somehow one way or another, we all pay. Medicaid can come after your estate for repayment.