The simple answer is yes. Even if you choose the independence and freedom of an independent living setting (apartments, condos, cottages, etc.), there may still come a time when you’ll need specialized care or assistance, perhaps after an extended illness, a fall or fracture, a dementia diagnosis.
Most independent living complexes have a policy that allows residents to bring in private duty home care, therapists, or other ancillary services as needed. Some communities (especially continuing care settings) may have a contract with care agencies and providers; if so, they may recommend, or sometimes require, that residents utilize these particular services.
Planning for future care needs is nearly impossible. What you can do, however, is develop a knowledge of your options and have a few backup plans in place should the need arise.
Think of it this way: your independent living apartment becomes your home. You have the choice, then, to bring in home care as desired. Choice does imply responsibility though: if the community does not have an affiliated or recommended agency on record, you will have to do the work of finding a provider.