Being "on hospice" when you are in your last months (again I don't remember the medical term), in Massachusetts is free. The family is responsible for the round-the-clock care, though. The real difficulty isn't the money: The state is very good at placing people who can't pay. The people who get squeezed are those of us who want an inheritance, or the spouses who need to keep money for their own end-of-life needs, yet are unable or unwilling to take time off from our lives.
In my case my dad was under quite a bit of emotional stress, and when he's in that state, he gets irrational and can't make a decision. My mom was clearly in her last few days, but he was afraid he'd have to pay for many weeks or months of onsite hospice stay out of his own pocket. Even if that happened, he still had her brand-new Lexus and his own 1-year-old Highlander, a much larger house than he needs...