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

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.

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..