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And then stop worrying. What will be will be, and you can deal with it IF/when it happens.
More than likely you will always be able to provide Mother the services she would have in Assisted Living. If she declines beyond that and needs more specialized care than you can provide at home you'll deal with it as it comes up.
See a lawyer. Once you have good advice about what, if anything, you can do to plan ahead, then do it, and stop worrying about what you can't change. Enjoy your present situation as long as it lasts -- and that may be the rest of Mother's life. Don't spoil your present by worrying about the future.
How old is your sister? I ask because I wonder how far away from Medicare eligibility she is. Insurance is expensive, so that will be a big savings there. Is there a reason she has been out of work for so long? The workplace is now open for more mature workers. It would probably ease a lot of stress if she were able to find a job.
Since your mother is healthy now, I would just concentrate on trying to keep her at home, then worry about the other things when it comes time. You will want to learn about the Medicaid application and spend-down process in the event your mother needs to go in a nursing home.
Since you have been living with your mother for years, you should be able to continue to stay in the home. However, you will be responsible to continue payments and upkeep on it. If it becomes too difficult, you could apply for subsidized housing in a senior complex. There are many options out there for seniors. Instead of worrying, it would be best to decide on a course of action. Your mother is of an age where you cannot depend on her income much longer. If your income is not enough to support you and your sister, then it seems to me that your sister is going to need to figure out how to bring some money to the table. Living on the edge can be exciting, but I know it is worrisome.