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Or it may be better to self-insure and plan to use savings for long-term care needs if insurance is too expensive.

The government prefers to self-insure against financial risk rather than pay a fee to profit making third parties.

"A lot of these shadow vessels will be able to self-insure or they will be able to be insured by Russian P&I", he added, referring to protection and indemnity insurance.

Consumer Reports recommends that people “self-insure” instead by putting the money they’d spend on a home warranty into a savings account earmarked for home repairs and replacements.

You could also self-insure by setting money aside annually for long-term care expenses.