What You Can Do
Even though you can’t control state budgets, you can take steps to protect your own pocket:
-
Shop around for insurance plans during open enrollment to make sure you’re getting the best coverage for the cost in your state.
-
Use preventive care—checkups, screenings, and vaccines are often cheaper (and covered) compared to treating illness later.
-
Look for senior discounts and assistance programs—from prescription help to supplemental coverage, many programs exist at the state level.
-
Plan for retirement healthcare costs—factor in not just Medicare, but also supplemental insurance, long-term care, and state differences.
The Bottom Line
Healthcare spending in America isn’t equal. Whether you live in New York or Utah, the dollars spent on care look very different—and so do the costs to your pocket. Higher spending doesn’t always mean better care, and lower spending doesn’t always mean efficiency. For everyday Americans, the key is to understand the landscape, plan ahead, and make choices that protect both your health and your wallet.
Read next: Historic COLA in 2026? Here’s What Retirees Should Expect
