The Patient Protection and Affordable Care Act (PPACA) created the Community Living Assistance Services and Support (CLASS ACT) program as a way to provide better long-term care insurance options.

However, after 19 months of analysis, HHS has determined that they are not able to implement a financially sustainable, voluntary, self-financed long-term care insurance program.

The October 14, 2011 letter from HHS Secretary Kathleen Sebelius to Congress discussing the findings is posted on the HHS website.