We have no long term care insurance what would it take to have home health care or how can we afford assisted or independent living?

Having a consult with an elder law/estate attorney will help give you accurate and actionable guidance, and will be money well spent. This forum isn't a financial or legal service so you may not get completely accurate, custom-fit, legally solid advice specific to your state and situation. I'm happy that you are thinking about this now. Good luck!