The benefits of purchasing long-term care insurance may outweigh the drawbacks, such as the expense, according to new published reports.

Recent research has found that long-term care policies are unaffordable for many, benefit men more than women, and are often used to cover the cost of in-home care, the Hartford Courant found. But on a positive note, consumers can now purchase policies to fit their specific needs, the report said.

While the insurance can be expensive, “careful choices of coverage and deductibles, along with the possible tax breaks, can make it more accessible,” The New York Times noted recently. Individuals who purchase long-term care insurance can deduct premiums from federal taxable income; 37 states allow similar deductions or tax credits. While it is hard for them to foresee the need for long-term care insurance, young people should consider the policies for catastrophic care, an opinion piece in The Wall Street Journal counseled.