How Much Retiree Healthcare Costs in Every State

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Healthcare costs are one of the biggest expenses retirees face in retirement — and often not always prioritized when it comes to savings.

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Data from the Fidelity Retiree Health Care Cost Estimate revealed that in 2023, a single person age 65 would likely need to save about $157,000 after tax to pay for retirement healthcare expenses. Retirees unable to save enough money may consider relocating to a state where healthcare costs are less expensive.

Where should retirees go? To determine the most and least expensive states for retiree healthcare costs, GOBankingRates analyzed all 50 states along with the average monthly Medicare premium and average monthly cost of senior care (broken down into homemaker services, home health aide, adult day healthcare, assisted living facility, semi-private nursing home room and private nursing home room based on data sourced from the Genworth Cost of Care Survey 2021, and adjusted to 2023 dollars.

In alphabetical order, read on to find out which states have the highest, and lowest, retiree healthcare costs.

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Alabama

• Average monthly Medicare premium: $8.79

• Homemaker services monthly cost: $4,195

• Home health aide monthly cost: $4,237

• Adult day healthcare monthly cost: $834

• Assisted living facility monthly cost: $3,854

• Nursing home semi-private room monthly cost: $7,345

• Nursing home private room monthly cost: $7,730

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Alaska

• Average monthly Medicare premium: n/a (Alaska doesn’t offer Medicare Advantage plans. Residents must use a prescription drug plan.)

• Homemaker services monthly cost: $6,293

• Home health aide monthly cost: $6,293

• Adult day healthcare monthly cost: $1,719

• Assisted living facility monthly cost: $7,515

• Nursing home semi-private room monthly cost: $34,670

• Nursing home private room monthly cost: $34,670

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Arizona

• Average monthly Medicare premium: $9.61

• Homemaker services monthly cost: $5,874

• Home health aide monthly cost: $5,979

• Adult day healthcare monthly cost: $2,313

• Assisted living facility monthly cost: $4,401

• Nursing home semi-private room monthly cost: $7,195

• Nursing home private room monthly cost: $8,835

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Arkansas

• Average monthly Medicare premium: $11.30

• Homemaker services monthly cost: $4,604

• Home health aide monthly cost: $4,615

• Adult day healthcare monthly cost: $1,907

• Assisted living facility monthly cost: $4,137

• Nursing home semi-private room monthly cost: $6,693

• Nursing home private room monthly cost: $7,363

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California

• Average monthly Medicare premium: $19.13

• Homemaker services monthly cost: $6,712

• Home health aide monthly cost: $6,712

• Adult day healthcare monthly cost: $2,027

• Assisted living facility monthly cost: $5,776

• Nursing home semi-private room monthly cost: $10,776

• Nursing home private room monthly cost: $13,386

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Colorado

• Average monthly Medicare premium: $12.23

• Homemaker services monthly cost: $7,027

• Home health aide monthly cost: $7,027

• Adult day healthcare monthly cost: $2,145

• Assisted living facility monthly cost: $5,226

• Nursing home semi-private room monthly cost: $9,426

• Nursing home private room monthly cost: $10,701

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Connecticut

• Average monthly Medicare premium: $12.03

• Homemaker services monthly cost: $5,768

• Home health aide monthly cost: $5,874

• Adult day healthcare monthly cost: $2,027

• Assisted living facility monthly cost: $5,643

• Nursing home semi-private room monthly cost: $15,144

• Nursing home private room monthly cost: $16,690

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Delaware

• Average monthly Medicare premium: $15.32

• Homemaker services monthly cost: $5,874

• Home health aide monthly cost: $5,874

• Adult day healthcare monthly cost: $1,827

• Assisted living facility monthly cost: $6,596

• Nursing home semi-private room monthly cost: $13,503

• Nursing home private room monthly cost: $13,838

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Florida

• Average monthly Medicare premium: $3.39

• Homemaker services monthly cost: $5,245

• Home health aide monthly cost: $5,245

• Adult day healthcare monthly cost: $1,669

• Assisted living facility monthly cost: $4,401

• Nursing home semi-private room monthly cost: $9,521

• Nursing home private room monthly cost: $10,592

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Georgia

• Average monthly Medicare premium: $11.65

• Homemaker services monthly cost: $4,720

• Home health aide monthly cost: $4,824

• Adult day healthcare monthly cost: $1,430

• Assisted living facility monthly cost: $3,889

• Nursing home semi-private room monthly cost: $7,714

• Nursing home private room monthly cost: $8,366

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Hawaii

• Average monthly Medicare premium: $29.79

• Homemaker services monthly cost: $6,293

• Home health aide monthly cost: $6,293

• Adult day healthcare monthly cost: $1,788

• Assisted living facility monthly cost: $5,914

• Nursing home semi-private room monthly cost: $13,754

• Nursing home private room monthly cost: $15,528

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Idaho

• Average monthly Medicare premium: $23.35

• Homemaker services monthly cost: $5,979

• Home health aide monthly cost: $5,979

• Adult day healthcare monthly cost: $2,384

• Assisted living facility monthly cost: $4,223

• Nursing home semi-private room monthly cost: $9,371

• Nursing home private room monthly cost: $10,040

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Illinois

• Average monthly Medicare premium: $22.59

• Homemaker services monthly cost: $5,874

• Home health aide monthly cost: $5,874

• Adult day healthcare monthly cost: $2,074

• Assisted living facility monthly cost: $4,938

• Nursing home semi-private room monthly cost: $6,894

• Nursing home private room monthly cost: $7,873

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Indiana

• Average monthly Medicare premium: $14.65

• Homemaker services monthly cost: $5,245

• Home health aide monthly cost: $5,245

• Adult day healthcare monthly cost: $1,907

• Assisted living facility monthly cost: $4,712

• Nursing home semi-private room monthly cost: $7,999

• Nursing home private room monthly cost: $9,572

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Iowa

• Average monthly Medicare premium: $19.04

• Homemaker services monthly cost: $6,083

• Home health aide monthly cost: $6,136

• Adult day healthcare monthly cost: $1,489

• Assisted living facility monthly cost: $4,805

• Nursing home semi-private room monthly cost: $7,563

• Nursing home private room monthly cost: $8,199

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Kansas

• Average monthly Medicare premium: $11.93

• Homemaker services monthly cost: $5,035

• Home health aide monthly cost: $5,139

• Adult day healthcare monthly cost: $1,967

• Assisted living facility monthly cost: $5,039

• Nursing home semi-private room monthly cost: $6,927

• Nursing home private room monthly cost: $7,496

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Kentucky

• Average monthly Medicare premium: $10.92

• Homemaker services monthly cost: $5,245

• Home health aide monthly cost: $5,245

• Adult day healthcare monthly cost: $1,859

• Assisted living facility monthly cost: $3,794

• Nursing home semi-private room monthly cost: $7,897

• Nursing home private room monthly cost: $8,768

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Louisiana

• Average monthly Medicare premium: $6.17

• Homemaker services monthly cost: $3,986

• Home health aide monthly cost: $4,091

• Adult day healthcare monthly cost: $1,967

• Assisted living facility monthly cost: $4,124

• Nursing home semi-private room monthly cost: $6,336

• Nursing home private room monthly cost: $6,667

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Maine

• Average monthly Medicare premium: $11.71

• Homemaker services monthly cost: $6,293

• Home health aide monthly cost: $6,293

• Adult day healthcare monthly cost: $2,861

• Assisted living facility monthly cost: $6,453

• Nursing home semi-private room monthly cost: $11,546

• Nursing home private room monthly cost: $12,382

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Maryland

• Average monthly Medicare premium: $25.74

• Homemaker services monthly cost: $5,664

• Home health aide monthly cost: $5,664

• Adult day healthcare monthly cost: $2,121

• Assisted living facility monthly cost: $5,391

• Nursing home semi-private room monthly cost: $11,379

• Nursing home private room monthly cost: $13,386

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Massachusetts

• Average monthly Medicare premium: $12.40

• Homemaker services monthly cost: $6,503

• Home health aide monthly cost: $6,503

• Adult day healthcare monthly cost: $1,746

• Assisted living facility monthly cost: $7,151

• Nursing home semi-private room monthly cost: $13,888

• Nursing home private room monthly cost: $14,892

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Michigan

• Average monthly Medicare premium: $38.07

• Homemaker services monthly cost: $6,083

• Home health aide monthly cost: $6,083

• Adult day healthcare monthly cost: $1,907

• Assisted living facility monthly cost: $4,676

• Nursing home semi-private room monthly cost: $10,007

• Nursing home private room monthly cost: $10,843

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Minnesota

• Average monthly Medicare premium: $40.70

• Homemaker services monthly cost: $7,342

• Home health aide monthly cost: $7,605

• Adult day healthcare monthly cost: $2,384

• Assisted living facility monthly cost: $4,960

• Nursing home semi-private room monthly cost: $12,764

• Nursing home private room monthly cost: $14,382

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Mississippi

• Average monthly Medicare premium: $11.96

• Homemaker services monthly cost: $4,195

• Home health aide monthly cost: $4,195

• Adult day healthcare monthly cost: $1,549

• Adult day healthcare monthly cost: $3,851

• Nursing home semi-private room monthly cost: $7,831

• Nursing home private room monthly cost: $8,047

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Missouri

• Average monthly Medicare premium: $10.44

• Homemaker services monthly cost: $5,245

• Home health aide monthly cost: $5,245

• Adult day healthcare monthly cost: $2,098

• Assisted living facility monthly cost: $3,301

• Nursing home semi-private room monthly cost: $5,789

• Nursing home private room monthly cost: $6,525

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Montana

• Average monthly Medicare premium: $48.44

• Homemaker services monthly cost: $5,874

• Home health aide monthly cost: $5,874

• Adult day healthcare monthly cost: $2,861

• Assisted living facility monthly cost: $4,896

• Nursing home semi-private room monthly cost: $8,333

• Nursing home private room monthly cost: $8,868

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Nebraska

• Average monthly Medicare premium: $9.33

• Homemaker services monthly cost: $5,664

• Home health aide monthly cost: $5,874

• Adult day healthcare monthly cost: $2,027

• Assisted living facility monthly cost: $4,485

• Nursing home semi-private room monthly cost: $8,233

• Nursing home private room monthly cost: $9,120

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Nevada

• Average monthly Medicare premium: $2.82

• Homemaker services monthly cost: $5,664

• Home health aide monthly cost: $5,664

• Adult day healthcare monthly cost: $1,967

• Assisted living facility monthly cost: $4,126

• Nursing home semi-private room monthly cost: $10,140

• Nursing home private room monthly cost: $11,010

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New Hampshire

• Average monthly Medicare premium: $21.12

• Homemaker services monthly cost: $6,608

• Home health aide monthly cost: $6,818

• Adult day healthcare monthly cost: $2,027

• Assisted living facility monthly cost: $6,660

• Nursing home semi-private room monthly cost: $12,047

• Nursing home private room monthly cost: $13,219

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New Jersey

• Average monthly Medicare premium: $22.76

• Homemaker services monthly cost: $6,083

• Home health aide monthly cost: $6,282

• Adult day healthcare monthly cost: $2,145

• Assisted living facility monthly cost: $7,146

• Nursing home semi-private room monthly cost: $12,382

• Nursing home private room monthly cost: $13,369

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New Mexico

• Average monthly Medicare premium: $16.44

• Homemaker services monthly cost: $5,067

• Home health aide monthly cost: $5,118

• Adult day healthcare monthly cost: $2,193

• Assisted living facility monthly cost: $4,949

• Nursing home semi-private room monthly cost: $8,366

• Nursing home private room monthly cost: $9,203

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New York

• Average monthly Medicare premium: $24.07

• Homemaker services monthly cost: $5,874

• Home health aide monthly cost: $6,083

• Adult day healthcare monthly cost: $2,098

• Assisted living facility monthly cost: $5,039

• Nursing home semi-private room monthly cost: $14,055

• Nursing home private room monthly cost: $14,559

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North Carolina

• Average monthly Medicare premium: $11.30

• Homemaker services monthly cost: $4,824

• Home health aide monthly cost: $4,824

• Adult day healthcare monthly cost: $1,317

• Assisted living facility monthly cost: $4,412

• Nursing home semi-private room monthly cost: $8,233

• Nursing home private room monthly cost: $9,036

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North Dakota

• Average monthly Medicare premium: $46.21

• Homemaker services monthly cost: $6,259

• Home health aide monthly cost: $6,259

• Adult day healthcare monthly cost: $3,722

• Assisted living facility monthly cost: $3,731

• Nursing home semi-private room monthly cost: $13,179

• Nursing home private room monthly cost: $13,849

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Ohio

• Average monthly Medicare premium: $14.54

• Homemaker services monthly cost: $5,454

• Home health aide monthly cost: $5,559

• Adult day healthcare monthly cost: $1,907

• Assisted living facility monthly cost: $5,100

• Nursing home semi-private room monthly cost: $8,032

• Nursing home private room monthly cost: $9,036

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Oklahoma

• Average monthly Medicare premium: $16.85

• Homemaker services monthly cost: $5,349

• Home health aide monthly cost: $5,349

• Adult day healthcare monthly cost: $1,645

• Assisted living facility monthly cost: $4,241

• Nursing home semi-private room monthly cost: $6,024

• Nursing home private room monthly cost: $6,693

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Oregon

• Average monthly Medicare premium: $27.03

• Homemaker services monthly cost: $6,608

• Home health aide monthly cost: $6,712

• Adult day healthcare monthly cost: $2,920

• Assisted living facility monthly cost: $5,551

• Nursing home semi-private room monthly cost: $11,379

• Nursing home private room monthly cost: $12,227

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Pennsylvania

• Average monthly Medicare premium: $36.79

• Homemaker services monthly cost: $5,454

• Home health aide monthly cost: $5,454

• Adult day healthcare monthly cost: $1,788

• Assisted living facility monthly cost: $4,511

• Nursing home semi-private room monthly cost: $11,446

• Nursing home private room monthly cost: $12,275

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Rhode Island

• Average monthly Medicare premium: $12.28

• Homemaker services monthly cost: $6,293

• Home health aide monthly cost: $6,555

• Adult day healthcare monthly cost: $1,978

• Assisted living facility monthly cost: $7,510

• Nursing home semi-private room monthly cost: $10,374

• Nursing home private room monthly cost: $11,044

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South Carolina

• Average monthly Medicare premium: $9.75

• Homemaker services monthly cost: $4,877

• Home health aide monthly cost: $4,930

• Adult day healthcare monthly cost: $1,549

• Assisted living facility monthly cost: $3,974

• Nursing home semi-private room monthly cost: $8,015

• Nursing home private room monthly cost: $8,784

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South Dakota

• Average monthly Medicare premium: $31.70

• Homemaker services monthly cost: $6,503

• Home health aide monthly cost: $6,503

• Adult day healthcare monthly cost: $2,861

• Assisted living facility monthly cost: $3,686

• Nursing home semi-private room monthly cost: $7,831

• Nursing home private room monthly cost: $8,366

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Tennessee

• Average monthly Medicare premium: $9.70

• Homemaker services monthly cost: $5,035

• Home health aide monthly cost: $5,035

• Adult day healthcare monthly cost: $1,907

• Assisted living facility monthly cost: $4,516

• Nursing home semi-private room monthly cost: $7,864

• Nursing home private room monthly cost: $8,433

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Texas

• Average monthly Medicare premium: $6.18

• Homemaker services monthly cost: $5,035

• Home health aide monthly cost: $5,035

• Adult day healthcare monthly cost: $846

• Assisted living facility monthly cost: $4,399

• Nursing home semi-private room monthly cost: $5,639

• Nursing home private room monthly cost: $7,803

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Utah

• Average monthly Medicare premium: $14.35

• Homemaker services monthly cost: $6,189

• Home health aide monthly cost: $6,293

• Adult day healthcare monthly cost: $2,133

• Assisted living facility monthly cost: $3,851

• Nursing home semi-private room monthly cost: $7,897

• Nursing home private room monthly cost: $10,040

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Vermont

• Average monthly Medicare premium: $19.12

• Homemaker services monthly cost: $6,293

• Home health aide monthly cost: $6,293

• Adult day healthcare monthly cost: $3,547

• Assisted living facility monthly cost: $5,776

• Nursing home semi-private room monthly cost: $11,646

• Nursing home private room monthly cost: $12,215

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Virginia

• Average monthly Medicare premium: $10.84

• Homemaker services monthly cost: $5,245

• Home health aide monthly cost: $5,451

• Adult day healthcare monthly cost: $1,859

• Assisted living facility monthly cost: $5,776

• Nursing home semi-private room monthly cost: $9,036

• Nursing home private room monthly cost: $10,073

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Washington

• Average monthly Medicare premium: $26.74

• Homemaker services monthly cost: $7,203

• Home health aide monthly cost: $7,237

• Adult day healthcare monthly cost: $2,861

• Assisted living facility monthly cost: $6,601

• Nursing home semi-private room monthly cost: $10,374

• Nursing home private room monthly cost: $11,515

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West Virginia

• Average monthly Medicare premium: $20.11

• Homemaker services monthly cost: $3,881

• Home health aide monthly cost: $3,933

• Adult day healthcare monthly cost: $1,192

• Assisted living facility monthly cost: $4,577

• Nursing home semi-private room monthly cost: $12,784

• Nursing home private room monthly cost: $13,436

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Wisconsin

• Average monthly Medicare premium: $23.81

• Homemaker services monthly cost: $6,083

• Home health aide monthly cost: $6,293

• Adult day healthcare monthly cost: $1,896

• Assisted living facility monthly cost: $5,061

• Nursing home semi-private room monthly cost: $9,926

• Nursing home private room monthly cost: $10,709

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Wyoming

• Average monthly Medicare premium: $45.78

• Homemaker services monthly cost: $6,083

• Home health aide monthly cost: $6,083

• Adult day healthcare monthly cost: $1,907

• Assisted living facility monthly cost: $4,587

• Nursing home semi-private room monthly cost: $7,697

• Nursing home private room monthly cost: $8,400

Methodology: GOBankingRates determined the most and least expensive states for retiree healthcare costs by analyzing all 50 states along the following criteria: (1) average monthly Medicare premium, as sourced from MedicareAdvantage.com. (2) Average monthly cost of senior care, broken down into costs for homemaker services, home health aide, adult day healthcare, assisted living facility, semi-private nursing home room and private nursing home room, sourced from Genworth Cost of Care Survey 2021, and then adjusted to 2023 dollars. All data was compiled on February 5, 2024.

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This article originally appeared on GOBankingRates.com: How Much Retiree Healthcare Costs in Every State