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The rising cost of long-term care is the biggest reason for the state's current Medicaid budget woes.

One idea to save the state money is to encourage more people to buy private long term care insurance. Currently only two-point-six-percent of the state's over 50 population own policies.

New Hampshire Public Radio's Amy Quinton examines why so few people in the state have long term care insurance and what they need to think about before buying it.