I am trying to plan for the future and appreciate the answer to this question may not be valid by the time we need it. Who pays for care homes? My mil owns a house with her separated husband (long story) it is in negative equity due to the countless loans she's had off it. When the time comes who would pay for her care home? We are in our 30s with a small child and without sounding selfish dont want to pay for a care home. I want to go on holidays and get a bigger house and all that stuff that people my age do. My husband (it's his mum) said he doesn't care where she goes as long as its within easy reach. I keep seeing all this info about children paying for care homes for their parents and it is scaring me.