There is a cost to getting older. It is inevitable. The vigor most of us in Texas enjoy through most of our lives doesn't usually last to our dying day. For some the decline can be sudden. For others, issues related to aging can strike relatively early and last for years.
Private insurance can help cover some of the costs with a properly structured policy. Medicare and Medicaid will help, but only so far. Long-term insurance is available, but a lot of insurers have stopped selling the product. When it's available, it can be expensive and rates just seem to be going higher. You have to ask if it's worth it.