Halfpoint Images | Moment | Getty Images Some 70% of people want to age at home, yet only 10% have long-term care insurance, a recent HCG Secure/Arctos Foundation study found. Furthermore, about half of respondents had no idea how much in-home care would cost. With the median annual cost of a home health aide nationally estimated at $61,776, how are folks going to fund this? “The need for help at home is much more common than you think, but people don’t plan for it,” said certified financial planner Chris Chen, wealth strategist with Insight Financial Strategies in Newton, Massachusetts. Scoping out the insurance option landscape People with long-term care insurance…