Long-term care costs are surging again and the most expensive option — a private nursing home room — may soon top $100,000 per year.

Growing labor expenses and sicker patients helped push the median cost of care that includes adult day care and assisted living communities up an average of 4.5 percent this year, according to a survey released Tuesday by Genworth Financial. That's the second-highest increase since Genworth started its survey in 2004.

The cost of home health aide services climbed the most, rising 6 percent, to $21.50 an hour. Private nursing home care now costs more than $97,000...