How High Medical Bills Are in Every State

heap of dollars with stethoscope.
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The high cost of healthcare can cause financial hardships for individuals and families in the U.S. According to Forbes Advisor, healthcare costs averaged $10,000 per person in 2020. Due to the expense, people make decisions like delaying medical care, forgoing prescriptions and opting out of medical procedures.

To find out which states are most and least expensive when it comes to medical care, GOBankingRates looked at healthcare cost data Forbes Advisor compiled across 11 key metrics using Kaiser Family Foundation data for all 50 states and the District of Columbia. States were assigned a score out of 100 (with 0 being the most affordable) and are ranked from least expensive to most expensive below. Here’s how high medical bills are in every state.

51. Michigan

  • Total score out of 100: 0.0
  • Healthcare spending per capita: $9,524

Michigan is the cheapest state for healthcare due to several factors. For example, residents of the state who have employer-provided health insurance pay some of the lowest premiums and deductibles in America. 

50. Washington

  • Total score out of 100: 1.93
  • Healthcare spending per capita: $8,939

Washington state residents also pay some of the lowest premiums in the nation for employer-provided health insurance.

49. Nevada

  • Total score out of 100: 18.21
  • Healthcare spending per capita: $8,118

48. Hawaii

  • Total score out of 100: 21.19
  • Healthcare spending per capita: $9,593

Adults living in the Aloha State were the least likely in the U.S. to report delaying a doctor’s visit in the past 12 months due to cost (data was from 2020). Also, residents with employer-provided health insurance with single coverage pay the lowest average premiums in the country at only $846.67 per year. 

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47. New Mexico

  • Total score out of 100: 29.60
  • Healthcare spending per capita: $8,505

46. District of Columbia

  • Total score out of 100: 31.17
  • Healthcare spending per capita: $13,934

45. Pennsylvania

  • Total score out of 100: 32.05
  • Healthcare spending per capita: $11,229

44. Massachusetts

  • Total score out of 100: 32.57
  • Healthcare spending per capita: $12,754

43. Oregon

  • Total score out of 100: 33.10
  • Healthcare spending per capita: $9,625

42. Wisconsin

  • Total score out of 100: 34.68
  • Healthcare spending per capita: $9,626

41. Ohio

  • Total score out of 100: 34.85
  • Healthcare spending per capita: $10,093

40. Idaho

  • Total score out of 100: 37.48
  • Healthcare spending per capita: $7,772

39. Maryland

  • Total score out of 100: 38.00
  • Healthcare spending per capita: $10,340

38. Minnesota

  • Total score out of 100: 38.00
  • Healthcare spending per capita: $10,510

37. Utah

  • Total score out of 100: 38.53
  • Healthcare spending per capita: $7,241

Out of all the states, Utah has the lowest healthcare spending per capita.

36. Iowa

  • Total score out of 100: 39.05
  • Healthcare spending per capita: $9,265

After Hawaii, Iowa residents were some of the least likely to delay a doctor visit due to cost, with only 7.63% of adults doing so. 

35. Virginia

  • Total score out of 100: 39.40
  • Healthcare spending per capita: $8,815

34. Rhode Island

  • Total score out of 100: 39.93
  • Healthcare spending per capita: $11,049

33. Arkansas

  • Total score out of 100: 42.03
  • Healthcare spending per capita: $8,912

32. California

  • Total score out of 100: 43.26
  • Healthcare spending per capita: $9,665

31. Vermont

  • Total score out of 100: 43.78
  • Healthcare spending per capita: $12,237

30. Montana

  • Total score out of 100: 45.01
  • Healthcare spending per capita: $9.791

29. South Carolina

  • Total score out of 100: 47.99
  • Healthcare spending per capita: $8,362
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28. Alabama

  • Total score out of 100: 49.21
  • Healthcare spending per capita: $8,788

27. Texas

  • Total score out of 100: 49.56
  • Healthcare spending per capita: $8,048

Even though Texas has one of the lower healthcare spending per capita across the nation, it has the highest percentage of adults –16.63% — who did not see a doctor due to cost in the last 12 months. 

26. New Jersey

  • Total score out of 100: 51.49
  • Healthcare spending per capita: $11,266

25. Mississippi

  • Total score out of 100: 51.84
  • Healthcare spending per capita: $8,852

24. North Dakota

  • Total score out of 100: 52.19
  • Healthcare spending per capita: $10,741

23. North Carolina

  • Total score out of 100: 53.77
  • Healthcare spending per capita: $8,607

22. Kentucky

  • Total score out of 100: 53.94
  • Healthcare spending per capita: $9,778

21. Illinois

  • Total score out of 100: 53.94
  • Healthcare spending per capita: $9,601

20. Colorado

  • Total score out of 100: 53.34
  • Healthcare spending per capita: $8,289

19. Georgia

  • Total score out of 100: 55.52
  • Healthcare spending per capita: $8,282

After Texas, Georgia has the second-highest percentage of adults — 16.53% — who delayed seeing a doctor over the past 12 months due to the expense (Data was from 2020).

18. Indiana

  • Total score out of 100: 57.79
  • Healthcare spending per capita: $9,914

17. Kansas

  • Total score out of 100: 58.84
  • Healthcare spending per capita: $8,845

16. Tennessee

  • Total score out of 100: 59.19
  • Healthcare spending per capita: $8,909

15. Missouri

  • Total score out of 100: 60.25
  • Healthcare spending per capita: $9,461

14. Connecticut

  • Total score out of 100: 62.00
  • Healthcare spending per capita: $11,899

13. Arizona

  • Total score out of 100: 63.05
  • Healthcare spending per capita: $8,239

12. Alaska

  • Total score out of 100: 64.97
  • Healthcare spending per capita: $13,188

Alaska has the highest health care spending per capita across the nation. 

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11. New York

  • Total score out of 100: 67.25
  • Healthcare spending per capita: $13,012

10. Oklahoma

  • Total score out of 100: 69.35
  • Healthcare spending per capita: $8,997

9. New Hampshire

  • Total score out of 100: 69.53
  • Healthcare spending per capita: $11,359

8. Delaware

  • Total score out of 100: 73.91
  • Healthcare spending per capita: $12,294

7. Maine

  • Total score out of 100: 74.08
  • Healthcare spending per capita: $11,505

6. Nebraska

  • Total score out of 100: 75.13
  • Healthcare spending per capita: $9,974

5. Wyoming

  • Total score out of 100: 78.63
  • Healthcare spending per capita: $10,296

Residents of Wyoming with an individual health insurance plan from the Affordable Care Act marketplace paid the most expensive annual premium in the U.S. at $9,260. Additionally, the families of 16% of children in the state had trouble paying for their children’s medical expenses between 2019-2020 — a metric that outranked every other U.S. state. Wyoming also had the highest percentage of adults — 64.7% — who reported an unmet need for mental health treatment due to the expense.

4. Florida

  • Total score out of 100: 79.51
  • Healthcare spending per capita: $9,501

The cost of health insurance in the Sunshine State caused 14.87% of residents to delay seeing a doctor over the past 12 months (data was from 2020). Additionally, Florida residents with family health coverage from their employer pay the highest annual premium in the U.S. at $7,079.33.

3. West Virginia

  • Total score out of 100: 82.31
  • Healthcare spending per capita: $12,019

2. Louisiana

  • Total score out of 100: 86.69
  • Healthcare spending per capita: $9,796

Not only is Louisiana one of the top five states where healthcare is most expensive, residents with employer-provided health insurance pay some of the most expensive premiums in the U.S. at $6,999.67.

1. South Dakota

  • Total score out of 100: 100.00
  • Healthcare spending per capita: $11,736

Several factors are responsible for South Dakota being the state where healthcare is most expensive overall. For starters, families of 12% of children had difficulty paying for their children’s medical bills between 2019-2020. Also, the state had the third-highest increase in overall healthcare spending per person over a five-year period at 24.38%. South Dakota also had the sixth-highest annual health insurance premium for people with individual plans in the Affordable Care Act marketplace at $7,156. 

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