answer:Having absolutely no information on what their issues are or what insurance coverage they have… Home health care is expensive. You’re hiring a skilled worker full time in your own home. Many insurance providers do not cover full time in-home care. If this person needs full time care, their insurance makes nursing home coverage available. If they opt not to use that coverage, they are free to explore other options out of their own pockets, or search for a plan that provides home health care. Spoiler alert: it’ll be more expensive. The Affordable Care Act instituted minimum coverage requirements, like preventative care. It did not ensure that everyone’s every preference would be paid for.