Is it wrong to encourage parents to seek senior living?

My parents live with us and don't really require all that much care yet. In fact, my father pretty much rejects any help, and often winds up in a mess with his insurance or bills. My mother has always preferred to pretend ignorance and have everyone do everything for her. They've been with us for four years and I am already burned out. I find myself getting frustrated easily and tired of the lack of respect, unappreciation, and sometimes thinly veiled accusations from my father. He is a very negative and unpleasant person and a pro at playing the victim. He really is not nice to my mother which causes a lot of stress for everyone. He's been told about it for years but it has never gotten better.

Lately he is playing on some minor health issues and always talking about being sickly and dying, how neither of them will be around much longer, etc. I worry about what that will do to my mother's mental health, even though she ignores much of what he says and does. That is her way of dealing with him for 50+ years.

I very much dread the day that they need more care. I do have two sisters but they live 6 and 10 hours away, so everything rests on my husband and myself.

Any suggestions on how to encourage them to seek out more help, or even make the move to senior living? My father has researched a few places whenever he is mad at everyone, but has never really checked any out. We don't say too much because we don't want them to feel like we are throwing them out. But it feels more and more like that would be the best option for everyone.