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Sunday, March 29, 2026

No Kings Protests Held Across the U.S.: Photos and Videos - The New York Times

A Show of Defiance Across the Nation

"It’s the third time that the coalition behind the “No Kings” movement has organized events to protest President Trump and his policies. In the United States, more than 3,000 demonstrations were planned.

Protesters gather in front of the dome of the Idaho State Capitol. A young blond girl looks into the distance, sitting atop the shoulders of a man.
Protesters gather in front of the Idaho State Capitol during the No Kings Day protest in Boise, Idaho.Loren Elliott for The New York Times

In big cities and small towns across the world, protesters gathered for thousands of rallies against President Trump and his policies and actions, with the self-stated goal of fighting dictatorship.

Demonstrators, including elected officials and community leaders, chanted defiant messages and carried homemade signs that condemned the war in Iran, threats against voting rights and the White House’s mass deportation push, among other topics. Organized by a coalition of activist groups under the banner “No Kings,” it was the third such countrywide protest in the past 10 months.

No Kings organizers said eight million people took part, one of the largest protests in recent history. Their estimates in some cities were higher than those of local public safety officials. The New York Times is doing its own reporting on some of the turnout, but has not independently confirmed the numbers from the thousands of protest sites.

Bruce Springsteen standing onstage near a microphone and holding his black guitar over his head with his left hand.
Stephen Maturen/Getty Images

One of the largest rallies took place outside the Minnesota Capitol, where the singer Bruce Springsteen performed “Streets of Minneapolis,” which he wrote to protest the immigration crackdown that led to the fatal shootings of two American citizens by federal agents in January.

“They picked the wrong city,” Mr. Springsteen told the large crowd, adding that “these invasions of American cities will not stand.”

In Washington, D.C., some protesters marched to the military base where Stephen Miller, the White House official overseeing the mass deportation push, has been residing. Some chanted, “Stephen Miller’s got to go,” and “We’ve got the people outside your door.”

Protesters marched down small town main streets and thoroughfares, many bundled up to withstand chilly temperatures. Attendees at small gatherings, including one in Richmond, Ky., waved American flags as drivers signaled support by honking. In Atlanta, protesters chanted for an end to immigration raids.

Demonstrators seized upon topics where they said there was overreach by the Trump administration, including health care and the environment.

A White House spokeswoman, Abigail Jackson, called the protests “Trump derangement therapy sessions” in a statement on Thursday.

The protests, organizers have said, intentionally lack a single, specific demand but rather seek to harness energy on a wide variety of grievances regarding Mr. Trump and his policies.

Here are a selection of scenes.

Like many silver-haired protesters gathered at Auditorium Shores, a riverside park in Austin, Texas, Gilbert Martinez, a 93-year-old Korean War veteran, sees Mr. Trump as reckless and rebellious. And that’s not aligned with the values Mr. Martinez has spent his life preaching.

He called the attack on Iran a “diversion.”

“That idiot is going to cause a lot of good military people to lose their lives,” he said.

A longtime local business leader, Mr. Martinez is from the Texas Panhandle and says he can trace his family lineage to El Paso. He started Austin’s Hispanic Chamber of Commerce in 1973, he said, because in those days, downtown was a “backwater” devoid of Hispanic-owned businesses.

“I’m an American,” Mr. Martinez said. “We didn’t just get here.”

Chicagoans gathered at Grant Park, where Saira Bensett, 60, a retired zoological worker, described the turnout as cathartic.

“When I watch the news it’s often too much — the emotions I feel make me feel like I’m alone,” she said. “So I wanted to be here to feel like I’m not by myself.”

Lt. Gov. Juliana Stratton of Illinois, who is also the Democratic nominee for a Senate seat, told a crowd, “We all know the power of turning our anger into action.”

Many who gathered outside the Minnesota State Capitol said they had been driven to protest by the tumultuous monthslong presence of federal immigration officers in the Twin Cities region.

“We don’t want to walk out our door in fear,” said Chas Jensen, 68, who has lived in St. Paul his entire life and marched with his wife, Kitty Warner. “I’ve seen a lot over the years, but nothing like this.”

“It’s been hell, the last few months,” added Sadikshya Aryal, who came from South Minneapolis with her husband and two friends. Ms. Aryal, 32, still carries her passport whenever she leaves her house, she said.

Attendees said they felt the area had not returned to normal since the immigration operation but were comforted by how many people showed up Saturday.

“As much as it can feel helpless, this shows it’s not,” said Ms. Warner, 80.

The Minnesota governor, Tim Walz, gave a fiery address from behind a row of bulletproof glass panels, which underscored fears of political violence. Referring to the president’s oft-stated disdain for Somali immigrants, Mr. Walz said that their grandchildren would remain in the United States long after “the orange clown is in the dustbin of history.”

Madison Swart for The New York Times

In New York City, Valerie Tirado said she decided to attend an anti-Trump demonstration for the first time because her son, a Marine, was set to be deployed to the Middle East.

“Trump is using these military men as pawns, just to flex,” said Ms. Tirado, 60, a registered Democrat.

Spouses Michael Bianco and Susan Draper said they had demonstrated in the streets for causes they support since 1968. What struck them most about Saturday’s was how many people their age were on the streets.

“I want to express my disdain,” said Ms. Draper, 77, a retired N.Y.U. urban anthropology professor.

Eileen McHugh, 59, traveled an hour from her Republican-leaning town in Westchester County to protest at Columbus Circle.

“The whole Republican Party has blood on their hands,” Ms. McHugh said. “Bombing boats in Venezuela and schools in Iran is murder.”

Loren Elliott for The New York Times

While immigration policy was the focus of past No Kings protests in Atlanta, demonstrators on Saturday drew attention to the war in Iran, the toll the partial government shutdown is taking on air travel and a bill Republicans are championing to tighten voting rules.

“They just keep pushing the limits every day to see how far they can take their regime,” said Alan Reed, 72, who attended the protest using a walker and had a rainbow flag draped over his back. “To see how much authority they can grab, until they can cancel our elections.”

Nicholas Phillips, 34, of Long Beach, Calif., cooled himself outside Los Angeles City Hall with a rainbow fan, joined by friends.

Mr. Phillips, who is gay, said he came to protest the Trump administration’s anti-transgender policies and the potential for the Supreme Court to reverse the country’s marriage equality laws.

“It’s important to show up,” he said.

Later in the day, tensions escalated toward a separate group of protesters who had gathered outside of the Metropolitan Detention Center. Tear gas was deployed, and rubber bullets were shot into the crowd. The police declared an unlawful assembly, formed a line, and made several arrests. 

In statements on social media, the Los Angeles Police Department said that federal authorities had used nonlethal measures to move the crowd back after protesters were warned not to throw items or try to tear down the gate.

A city councilor, Sameer Kanal, described “a sea of Portlanders” in a park near downtown. Many were wearing the inflatable animal costumes that have made the city’s anti-immigration rallies a viral sensation.

Deana Fredericks, 65, was among a group of women wearing outfits inspired by “The Handmaid’s Tale,” a show drawn from the Margaret Atwood novel that depicts a totalitarian society in which women are treated as property. “We’re concerned about women’s rights, but it’s also gone beyond that,” she said, citing the Iran war and voting rights.

Later, outside an Immigration and Customs Enforcement facility in Portland, hundreds of protesters gathered, with some breaking open a gate at the entrance of the building. The authorities pushed them back. State and city police officers arrived to further break up the crowd.

Friction rose through the night. After protesters broke open the gate a second time, federal agents responded. Multiple roughly brought several of the protesters into the building.

No Kings protesters gathered at the park at Pier A in Hoboken on the banks of the Hudson River on a chilly morning. A local folk singer, Ed Fogarty, played the classic Bob Dylan protest song “Blowin’ in the Wind.”

Noah Schwartz, 54, one of the organizers of a march from Jersey City to Hoboken, used a bullhorn to lead the crowd in a chant.

“We will not stop our fun, our joy, our democracy,” he said. “Say it once, say it twice! We will not put up with ICE!”

Protesters with signs slung over their shoulders streamed into Anchorage’s Town Square Park, as temperatures hovered around 20.

Lynette Moreno-Hinz, a 67-year-old cabdriver from Anchorage, played a skin drum for the crowd. Ms. Moreno-Hinz, who is Tlingit, said she was protesting because Alaska Natives are concerned about federal support for myriad tribal programs. “He’s taking away the money for our Native people,” she said, referring to Mr. Trump.

The No Kings movement debuted in February 2025 on Presidents’ Day. The decentralized coalition had a stronger showing last June, on the day Mr. Trump marked his birthday by ordering the military to stage a large parade in Washington, D.C. The groups reported an even larger turnout in October.

In London, demonstrators carried scowling bobbleheads of Mr. Trump; the first lady, Melania Trump; and Vice President JD Vance. Caricatures of Elon Musk, Stephen Miller and Kristi Noem also hovered over the crowd.

Carmen Kingston, a New Yorker who has lived in Britain for a decade, carried a poster with the words “Minab Massacre,” referring to the strike on an elementary school in Iran that killed at least 175 people, most of them children.

The war, she said, is “part of a domestics political climate that includes the erosion of democratic institutions, democratic guardrails and unaccountable violence.”

Lynsey Chutel, Sean Keenan, Wesley Parnell, Mark Bonamo, Nate Schweber, Neelam Bohra, Robert Chiarito, Miles G. Cohen, Aaron West, Ramón Ramirez, Tricia Fulks Kelley, Robb Murray, Sheila M. Eldred, Julia O’Malley, Rachel Parsons, Heather Casey, Vi Nguyen, Allison McCann, James Thomas, Gray Beltran and Matthew Blochcontributed reporting, editing and production."

No Kings Protests Held Across the U.S.: Photos and Videos - The New York Times

Saturday, March 28, 2026

FULL Powerful Speech: “We Don’t Accept Kings!” Bernie Sanders Fires Up Minnesota | DRM News | AC1F - YouTube

 
 

“World Is on Fire With Bigotry and Bombs.” Dyson’s Prayer Exposes the System - YouTube

‘No kings,’ Ossoff declares in weekend speech in Savannah - The Current

‘No kings,’ Ossoff declares in weekend speech in Savannah

"Incumbent Democratic U.S. Senator steps up reelection campaign with criticism of the ‘big, beautiful bill’

Jon Ossoff speaks at a campaign rally in Savannah on July 12, 2025  Credit: Justin Taylor/The Current GA/CatchLight Local

Jon Ossoff came to Savannah over the weekend to deliver “a report from our nation’s capital.” And the news, he said, isn’t good.

“Donald Trump wants the whole country to fear,” the 38-year-old Democratic U.S. senator from Atlanta told hundreds of supporters gathered at the Kehoe Iron Works building on a sweltering, mid-summer afternoon. 

“I’ve heard it from people at every level, including people with power, people with status, people with resources. They come to my office, and they tell me they’re afraid to say anything. They’re afraid of retribution, investigation, destruction, vengeance from their own government.”

Ossoff’s visit to Savannah comes as he steps up campaigning ahead of what is expected to be one of the most crucial — and most expensive — election races in the nation next year. At stake could be control of the U.S. Senate.

Ossoff has already raised over $15 million for his campaign this year, as he prepares to take on a spate of Republican challengers. During his visit to the coast, he also attended a fundraiser at a private home in the Hostess City.

Jon Ossoff speaks at a campaign rally in Savannah on July 12, 2025 (Justin Taylor/The Current GA/CatchLight Local) 

Finding a message?

In his 26-minute speech, Ossoff lambasted the GOP’s recently passed tax-and spending bill, which is expected to balloon federal debt by at least $3 trillion. He decried provisions that will make cuts to Medicaid and the Supplemental Nutrition Assistance Program (SNAP), while lowering taxes for the wealthiest Americans — moves that Ossoff said contradict Republican claims to be the party of the working class. 

Those remarks by Ossoff on Saturday suggest that he and other Democrats might have already found their main message for next year’s midterm elections. 

Again and again on Saturday, he returned to what he said was the betrayal of working-class Americans by the president, as exemplified by what Trump and his supporters have dubbed the “big, beautiful bill.”

“Donald Trump said he was going to fight for working-class Americans. What he really meant was he was going to take away your health care to cut taxes for the rich,” Ossoff said.   

Ossoff, who narrowly flipped his seat alongside Rev. Raphael Warnock in 2020, is viewed as the most vulnerable Democratic senator up for reelection in 2026. Although Democrats won Georgia in 2020, the Peach State returned to its Republican roots in 2024, and Ossoff’s GOP election challengers, including Coastal Georgia Congressman Earl “Buddy” Carter, see the state as too Republican to have two Democrats in Washington. 

Supporters of Jon Ossoff look on as he speaks at a campaign rally in Savannah on July 12, 2025 (Justin Taylor/The Current GA/CatchLight Local) 

Promises kept, broken

But Ossoff appears to believe that healthcare is a winning issue for him and other Democrats.

He said Saturday that Republicans are “destroying” Medicaid, which in Georgia covers 40 percent of children, nearly 50 percent of all births and about 70 percent of nursing home residents. While on the subject of healthcare, Ossoff narrowed in on the high costs of ambulance rides and the lack of healthcare infrastructure in rural areas, problems that have been exacerbated since Trump took office, he said.

Following Trump’s signing of the mammoth tax-and-spending bill in a ceremony on the White House lawn on July 4, the White House led a chorus of Republicans in the slogan, “Promises made, promises kept.”

In his remarks, Ossoff sought to turn that boast on its head, listing off Trump’s “broken promises,” ranging from his vow to end wars in Ukraine and Gaza to his assurance that he’d release sexual predator Jeffrey Epstein’s “client list.”

“Did anyone really think the sexual predator president who used to party with Jeffrey Epstein was going to release the Epstein files?” Ossoff quipped. 

That message resonated with Ossoff’s sympathetic audience on Saturday.

“Everything in the big new bill is just a crime, and I know Senator Ossoff opposed that big time,” Carol Young, who came to the rally from Pooler, said. 

“Our federal government is gutting everything, like the Weather Service and FEMA and health care, and I’m terrified of just everything they’re going to do.”

As to why Trump and the GOP have backed a bill that eliminates what many Americans consider essential government services? 

In a message that is likely to resound in campaigning for next year’s midterm elections, Ossoff said it was to give wealthy donors a tax break. Starting with Trump, the corruption driving American politics, he said, is the worst in the Western world. 

“He’s a crook, and he wants to be a king,” he said. But, “Georgia will bow to no king.”

Lily Belle Poling is a rising junior at Yale. She is a summer 2025 intern at The Current GA with support from the Ida B. Wells Society in collaboration with the Nonprofit Newsroom Internship Program created by The Scripps Howard Fund and the Institute for Nonprofit News."


‘No kings,’ Ossoff declares in weekend speech in Savannah - The Current

Live updates: 'No Kings' protests in metro Atlanta on Saturday | 11alive.com

“No Kings”: March 28 Rallies Could Be Biggest Day of Protest in U.S. History | Democracy Now!

 

Lebanon condemns ‘blatant war crime’ after Israel kills three journalists | Lebanon | The Guardian

Lebanon condemns ‘blatant war crime’ after Israel kills three journalists

"Israeli military says primary target, killed in a missile strike far from the frontlines, was a Hezbollah ‘terrorist’

Destroyed wreckage of a car on a road
The car the three journalists were travelling in near Jezzine was destroyed by an Israeli missile.Photograph: EPA

Israel killed three journalists in south Lebanon on Saturday, their TV channels and authorities said, prompting condemnation from the Lebanese government who called the killings a “blatant war crime”.

Ali Shoeib, from the Hezbollah-owned al-Manar television station, Fatima Ftouni and her brother and cameraman Mohammed Ftouni from the pro-Hezbollah outlet al-Mayadeen, were killed in the strike targeting their car.

Israel claimed the attack shortly afterwards, saying the target was Shoeib, whom it accused of being a Hezbollah “terrorist” in an intelligence unit who had reported on the locations of Israeli soldiers in southern Lebanon. The Israeli military provided no further evidence to support the claim and made no comment on the killing of the other journalists.

Jamal al-Ghurabi, a journalist for al-Mayadeen, holds up press vests removed from the car.
Jamal al-Ghurabi, a journalist for al-Mayadeen, holds up press vests removed from the car.Photograph: Ali Hankir/Reuters

Shoeib was a well known war correspondent in Lebanon, where he reported for al-Manar for nearly three decades. His death was met with a wave of condolences from audiences and journalists in Lebanon, many of whom said he was considered a mentor figure in Lebanese journalism. 

Ftouni had also been reporting from the frontlines of the Israel-Hezbollah war in recent days, filming in front of battles in the town of Taybeh, south Lebanon. Her own family had been killed in Israeli strikes weeks earlier.

Eighteen months earlier, her and her colleagues were struck by an Israeli bomb while they were sleeping in a hotel in south Lebanon; Ftouni survived but two of her colleagues did not. Commenting on the deaths of her colleagues at the time, Ftouni said that “it is the silence of the international community that let this happen”.

The three journalists were struck as they were driving in Jezzine, a district in south Lebanon far from the frontlines. Local television showed at least four missiles were shot at the car and footage appeared to show a missile being fired between the journalists’ car and bystanders as the latter tried to approach and help. Video of the aftermath showed singed press jackets and helmets, as well as tripods and microphones that had been pulled from the car.

Singed protective helmet on the floor beside the destroyed car
Singed protective items and other equipment was pulled out of the destroyed car. Photograph: EPA

The Israeli military said the strike was aimed at Shoeib, who it claimed was a member of Hezbollah’s Radwan force: the most elite unit of the pro-Iran armed group which specialises in cross-border raids. It said that Shoeib’s contact with senior members of Hezbollah, and his work documenting the location of Israeli forces, was evidence he was a military member of the group.

International law says that regardless of political affiliation, journalists are considered civilians and targeting them is a war crime. Eight out of the nine journalists killed by Israel in Lebanon since 13 October 2023 worked for Hezbollah-affiliated outlets, and analysts have suggested the killings come as a part of Israel’s strategy of attacking the civilian wings of the group.

Lebanon’s president, Joseph Aoun, described the journalists as “civilians doing their professional duty”. Writing on X, he said: “It is a brazen crime that violates all treaties and norms through which journalists enjoy international protection in war.”

The Israeli military has made similar claims about several journalists it killed in Gaza, whom it said also worked as Hamas operatives, including Anas al-Sharif, a correspondent for Al Jazeera. Israel has killed more than 220 journalists since 2023, according to Reporters Without Borders.

Lebanon’s minister of information, Paul Morcos, said that the killing of the three journalists on Saturday “constitutes a deliberate and blatant war crime against the media and the mission of journalism”. He also said that the Lebanese government had compiled a list of Israeli attacks against healthcare workers and media personnel, which it will submit to the UN and the EU.

The fighting in Lebanon started when Hezbollah launched missiles at Israel on 2 Marchafter the US-Israeli assault on Iran, triggering an Israeli aerial campaign and invasion. Israeli attacks have killed 1,189 people and wounded 3,427 in Lebanon, including 48 healthcare workers, according to the Lebanese ministry of health. Three Israeli soldiers in South Lebanon and one person in northern Israel have been killed by Hezbollah fire."

Lebanon condemns ‘blatant war crime’ after Israel kills three journalists | Lebanon | The Guardian

Opinion | Trump Does Anything He Wants — and More - The New York Times

Trump Does Anything He Wants — and More

A silhouette of Donald Trump speaking.
Roberto Schmidt/Getty Images

"Donald Trump used to brag about grabbing women by the crotch. Now he’s grabbing the world by its axis.

He still believes he has the right to swoop in with a transgressive attack. He has simply expanded his targets.

“When you’re a star,” he once said, “they let you do it. You can do anything.”

His approach in his second term can best be described as manhandling, abetted by his cabinet of lackeys and congressional Republican bootlickers. Mike Johnson pathetically conjured an “America First Award” for Trump out of thin air. The House speaker called the “beautiful golden statue” of an eagle appropriate to “the new golden era in America.”

Trump thinks more than ever that he can have his way with whatever he wants in whatever way he wants. Whether it’s a country, a skyline, the White House. He accosted the People’s House, bulldozing the East Wing and a Jackie Kennedy garden, before anyone could even look at the plans. He blows up suspected drug boats, snatched Nicolás Maduro out of his bedroom and salivates at the thought of pillaging Greenland and assailing Cuba.

“I do believe I’ll be having the honor of taking Cuba,” he said. “That’s a big honor. Taking Cuba in some form. Whether I free it, take it. I think I can do anything I want with it, you want to know the truth.”

Sign up for the Opinion Today newsletter  Get expert analysis of the news and a guide to the big ideas shaping the world every weekday morning. 

You can do anything.

At a cabinet meeting on Thursday, an amused Trump mused: “I think I may go to Venezuela and run for president against Delcy,” referring to Delcy Rodríguez, Maduro’s vice president who ascended with Trump’s approval.

On Monday, Trump said that if Iran did not submit to him, “we’ll just keep bombing our little hearts out.” He was steaming that NATO was not bending to his will, and he was vowing that it would rue the day. “This was a test for NATO,” he said during the cabinet meeting, adding: “If you don’t do that, we’re going to remember. Just remember. Remember this in a number of months from now. Remember my statements. They have an expression, a great expression, ‘Never forget.’ We can never forget.”

It’s odd that Trump co-opted the bracing slogan about 9/11 given that on that day he observed that, with the twin towers coming down, one of his buildings, 40 Wall Street, became the tallest in Lower Manhattan.

Once, Trump thought war was a waste of time and lives and money; he dreamed of building hotels on the beaches of North Korea and Gaza. After he beat Hillary Clinton in 2016, he gave a speech outlining his military policy. “We will stop racing to topple foreign regimes that we know nothing about, that we shouldn’t be involved with,” he said. Now he lusts for regime change.

Cadet Bone Spurs has developed a taste for flaunting our unparalleled military, and there’s no one at the Pentagon to curb this new appetite for global violence — certainly not the aggro Pete Hegseth.

Hegseth showed again why he is such an unnerving choice to run our military when he blocked the promotion of two Black officers and two women to be one-star Army generals. As The Times scooped, that left a gaggle largely of white men, Hegseth’s favorite breed, on the promotion list.

When Trump was a celebrity developer, people laughed at his megalomania in plastering his name everywhere. He grabbed buildings by the crotch. But now that he is president, it’s not funny. It’s foul.

He forced his name onto the Kennedy Center. He scratched the “U.S.” out of the U.S. Institute of Peace and made it the Donald J. Trump Institute of Peace. He is branding his name on a class of battleships. A multistory banner of his glaring face hangs from the Department of Justice. He tried to have Washington Dulles Airport and New York’s Penn Station renamed after him, and is plotting a Trump-style arch across from the Lincoln Memorial so tall it could interfere with Reagan National Airport flight paths.

Trump’s handpicked arts commission approved the creation of a commemorative 24-karat gold coin with a scowling picture of the president leaning over a desk with his fists clenched. And King Midas is impelling the Treasury Department to mint a one-dollar gold coin with his visage.

Now, in his frenzied quest for ubiquity, he will deface U.S. currency. The Treasury Department announced on Thursday that Trump would become the first sitting president to have his signature on paper money. Thrusting himself onto legal tender is anything but tender — he’s shoving the U.S. treasurer’s signature off the bills. Naturally, Trump put a sycophantic man in that job — ending a 76-year stretch of women holding it.

“The president’s mark on history as the architect of America’s golden age economic revival is undeniable,” said Brandon Beach, the treasurer, in a statement. “Printing his signature on the American currency is not only appropriate but well deserved.” (It’s alarming that the U.S. treasurer does not seem to know that the “operation” in Iran is raising prices and cratering stocks.)

As everyone tries to make sense of this more belligerent Trump, just remember: He’s still “Access Hollywood” Trump. He continues his amoral, pseudo-macho posturing — just with a bigger stage and the biggest weapons.

You can do anything.

Maureen Dowd is an Opinion columnist for The Times. She won the 1999 Pulitzer Prize for distinguished commentary. She is the author, most recently, of “Notorious.” @MaureenDowd  Facebook"

Opinion | Trump Does Anything He Wants — and More - The New York Times

Many People Will Need Long-Term Care, but Most Don’t Have Insurance to Cover It - The New York Times

Many People Will Need Long-Term Care, but Most Don’t Have Insurance to Cover It

"Care for people who can’t take care of themselves is expensive, and regular health insurance doesn’t cover the cost.

An illustration of a person lying in bed, with one hand holding on to a cane. Price tags hang over the bed.
Thomas Fuchs

Most older adults don’t have long-term care insurance, and a big reason — in addition to the cost — may be that they don’t understand the limits of their regular health coverage.

Long-term care refers to personal services for people who can’t take care of themselves because of physical or cognitive decline. Typically, people need such help when they can’t manage basic activities — like dressing, eating and bathing — on their own. Such care can be provided at home, by family or paid providers, or in an assisted-living community or nursing home.

A relatively small share of older adults view long-term care affordability as a top concern, researchers at the Center for Retirement Research at Boston College found, even though a significant number may need it at some point. And long-term care is expensive. The typical annual cost in 2025 was about $80,000 for nonmedical care provided at home, just over $74,000 for assisted living and about $130,000 for a private room in a nursing home.

Does insurance pay for long-term care?

The lack of concern may stem from confusion about whether health insurance covers long-term care. Mostly, it doesn’t. Medicare, the federal health plan for older people, doesn’t cover long-term care except in limited circumstances. Medicaid, the federal-state health program for the poor, does cover it, but qualifying for the program is difficult except for those with very low incomes. People must typically exhaust their own financial resources before becoming eligible for Medicaid coverage.

Special long-term care insurance, whether traditional policies or hybrids combining long-term care coverage with life insurance or an annuity, can help with costs — but it’s also pricey. Just 15 percent of people 65 and older have long-term care coverage, according to the retirement research center.

How can I tell how much I may have to pay?

An index introduced this year by Milliman, a consulting and actuarial firm that advises insurers and governments, aims to help people plan for the cost of care. The firm estimates that a 65-year-old would need $135,000 today to cover the average expected future lifetime costs of long-term care.

The cost, however, varies by factors like sex, geography and length of care. “There are a wide range of outcomes,” said Chris Giese, a principal at Milliman and a co-author of the index. The average amount needed now for someone who requires less than a year of long-term care is just $30,000, but it rises to $665,000 should that person need five years or more of care.

More than four million Americans will turn 65 this year and next year as well, the firm says. The index is based on an analysis of long-term insurance claims data, adjusted to reflect the general population.

About half of men and 60 percent of women will use some sort of formal, paid long-term care services after age 65, Milliman found. Milliman expects to update the index annually and to eventually offer online tools to help people customize their cost based on where they live, Mr. Giese said.

The projection on costs assumes that the money is invested at a rate of return of 4.35 percent, and that services are paid for out of pocket at commercial market rates. (The estimate doesn’t account for unpaid care provided by family members.)

Harry Margolis, a lawyer in Massachusetts specializing in elder law and estate planning, said the $135,000 benchmark was a good place to start. You can add or subtract an amount based on where you live, your health status and family history, and whether you have family who can help provide some care.

What if I’m not average?

Waterlily, a financial technology start-up, aims to make long-term care planning more personalized. Founded by two young entrepreneurs, the firm says it uses analytics and artificial intelligence to predict an individual’s likelihood of needing long-term care, the age at which the person is likely to first need it and for how long. The tool, aimed at people over age 40, analyzes data from government sources as well as from a private database with information on about 50,000 families.

Lily Vittayarukskul, 30, a co-founder of the firm and its chief executive, said she had started Waterlily because of her family’s experience with a serious illness. When a beloved aunt was diagnosed with terminal colon cancer, she said, relatives stepped away from work and school to arrange for her care. “It tore our family apart,” she said.

Waterlily, which has attracted investments from venture capital firms and large insurers, markets its tool to financial advisers and insurance agents, who use it with their clients. Firms pay monthly or annual fees to use the service.

The tool isn’t widely available to individuals, but Ms. Vittayarukskul, a licensed insurance agent, offers limited online demonstrations free to the public each week, by appointment.

How does Waterlily’s tool work?

Waterlily quickly shows clients an estimated age at which care is likely to begin, based on information they provide in an electronic health questionnaire. It offers a timeline of how care will progress, including any care provided by family members. Clients can then explore options to cover all or part of the costs, whether by purchasing insurance or self-funding.

Mr. Margolis said that he had recently tried the Waterlily demonstration and that the tool had predicted he would need long-term care for three years starting at age 86, at a cost of $350,000 in today’s dollars.

“I think that the idea of an algorithm to give people some idea of their potential long-term care costs makes a lot of sense,” he said.

Chris Chen, a certified financial planner in Newton, Mass., said he had been using Waterlily with clients for more than two years. The information, he said, can help clients face their potential need for long-term care and account for it in their financial plans.

“Most people try to avoid it,” he said.

The tool is also able to sell insurance. Waterlily says almost half of its users report that they plan to buy long-term care coverage. (The company typically doesn’t make commissions when clients sell policies, although insurance agents and advisers using the tool may.)

Mr. Chen said he considered Waterlily’s results to be something of a guess, albeit a “much more educated guess” than what was previously available.

Waterlily notes that “stakeholders should view its insights as a well-informed guide, not an absolute prediction of the future.”

Are there any government efforts on long-term care funding?

Some states are starting to address the need for long-term care funding. Washington established a program, funded with a payroll tax beginning in 2023, to provide state residents a benefit of up to $36,500, adjusted for inflation. While the amount is relatively modest, it can cover the needs of some people, the program’s website says, and can give other families time to plan. The first benefits under the program, WA Cares, are scheduled to become available later this year. Other states, including California, Massachusetts and New York, are exploring similar efforts.

Part of the Affordable Care Act would have created a federal program to help older adults and disabled people needing long-term care. The effort, however, known as the Class Act, was abandoned in 2011 as financially unworkable and repealed in 2013."

Many People Will Need Long-Term Care, but Most Don’t Have Insurance to Cover It - The New York Times