The Illinois long term care insurance is one of the cheapest and lowest in the United States but this does not necessarily mean a boost in the number of insured individuals in the country. To date, the population of those who are still uninsured is still higher than those who are finally secured and presently owned an LTC insurance plan. With an average of almost $65,000 a year for a private room in a nursing home facility, Illinois is one of the states that have the most affordable rates and prices of nursing homes and adult day care facility. But this does not stop the government from presenting other lower and cheaper LTC options to the residents. This is because of the fact that the government is aware that the rates can continuously increase as years pass by. So this cheap and low LTC rates in Illinois may become more expensive if a resident still decides to delay or suspend the acquisition of his LTC plan, and might even give the local residents a hard time with paying their monthly premium.