Solo aging, a journey undertaken by individuals without the traditional support network of close family, presents unique challenges, particularly in the realms of health and caregiving. This article delves into the complexities solo agers face in managing healthcare and medication, deciding on and financing long-term care arrangements, and choosing suitable housing that accommodates evolving health needs.

Managing Healthcare and Medication Independently

As health needs become more complex with age, solo agers must develop strategies to handle their healthcare effectively. This includes maintaining a comprehensive and up-to-date list of medications, understanding their purposes and potential side effects, and establishing a routine for taking them correctly. Utilizing technology, such as medication management apps or setting up reminders, can be helpful.

Additionally, building a relationship with healthcare providers who understand the unique needs of solo aging is crucial. These professionals like patient advocates and life care managers offer guidance and support in navigating the healthcare system and making informed decisions about treatments and medications.

Deciding on Long-Term Care Arrangements and Financing

Long-term care is a critical consideration. The decision involves not only choosing the right type of care—whether it be in-home care, assisted living, or a nursing home—but also figuring out how to finance it.

Long-term care insurance is a viable option, but it requires foresight and planning to obtain a policy before health issues arise. Solo agers should also explore other financial avenues, such as reverse mortgages, savings, or retirement funds, and seek advice from financial advisors specialized in elder care. Understanding the benefits and limitations of Medicare and Medicaid is essential, as these can play a significant role in covering long-term care costs.

Choosing Suitable and Accessible Housing

The choice of housing has a great influence over caregiving, especially having people to check in on us and building a network of friends for support. The ideal home should not only be comfortable and in a desirable location but also be accessible and adaptable to changing health needs. This might mean choosing a single-story home to avoid stairs, looking for properties with wheelchair access, or even considering senior living communities that offer a range of amenities and care options.

It’s important to think about proximity to healthcare facilities, public transportation, and social amenities, as these factors significantly impact the quality of life and the ability to live independently for as long as possible.


Solo aging, while challenging, can be navigated successfully with careful planning and informed decision-making. Managing healthcare and medication, planning for long-term care, and choosing the right housing are all critical aspects that require attention and foresight.

By addressing these challenges head-on, solo agers can ensure that their later years are not only comfortable and secure but also characterized by a sense of independence and dignity. 


Carol Marak
Carol Marak LLC