Nursing homes can easily cost upwards of $100,000 a year. If you or your spouse needs long-term care, the state's Medicaid program will not step in to help until you have "spent down" nearly all of your life savings and become legally destitute. But what happens if one spouse is perfectly healthy? Do they have to go completely broke just to get their partner the care they need?

In this deeply personal video, Shawn Plummer from The Annuity Expert explains how a Medicaid-Compliant Annuity (MCA) can save a family from financial ruin. Shawn shares the heartbreaking story of his own grandparents battling Parkinson's disease to illustrate why you absolutely must plan for healthcare costs before it is too late.

If you are already facing a healthcare crisis and cannot qualify for traditional Long-Term Care insurance, an MCA is a powerful lega ...