I've been working on that. When my husband loses mobility, I will be stuck. We remodeled for ADA access some years ago and can safely age here, for the most part. Our income producing annuities can have additional (excess distributions) taken out, but the income will not last as long. Selling the house would put us into a rental situation (uncertain costs) or assisted living ($3-4K/month), which would not last long. The math does not really work for us to move. And, short of a reverse mortgage, there is not enough income to cover caregiving. Here's one article from AARP, which is following this issue. Lisa Ling Explores Caregiving in New CBS Special (aarp.org)