... InstitutecommentaryNO. 367 Long-Term Care for the Elderly: Challenges and Policy Options Policy reforms in long-term care will require methods to contain costs, to fairly divide these costs between care recipients ... not, the demand for private insurance would be reduced since the subsidies would allow them to pay for their long-term care without drawing on their assets. For this reason, the demand for ... either in home care or in institutional care. In Finland, the size of the voucher depends on household composition and income, and patients pay the dierence between the size of the voucher and...