I am aware of the cost of caregivers. Do I have to pay or insurance?

thank you very much. you helped make up my mind. Even tho i really want to live at home it would ultimatly be t expensive..

You pay the taxes, the unemployment insurance, the workmen's comp insurance and any other items required in your state.
If a live-in won't leave, you have to pursue an eviction order. They can sue for unfair dismissal and lost wages. Consult your lawyer.