We are 73 and 68 and still working. No insurance except Medicare. We have very little family, though I would not want to depend on them for care. My husband has one child and she has 3 children living at home. He would be too proud to live with her. I have 3 children and only one who could be in a position to care for me should I need care. What do most people do to afford care when the time comes?