Our Premium Cost of Living Calculator includes Health Indexes, Local Prices for Insurance Premiums, Common Surgery and Medical Procedures in Retirement and other must-know details. Click here to customize.

Health
23.0% lower in Flagler Beach, Florida
than in Carmel-by-the-Sea, California

Insurance cost

	Carmel-by-the-Sea, CA	Flagler Beach, FL	U.S. Avg	Difference
Insurance Premium	156.2	95	100	39.2%

Procedure & surgery cost

	Carmel-by-the-Sea, CA	Flagler Beach, FL	U.S. Avg	Difference
Heart Attack	102.6	101.3	100	1.3%
Heart Failure	99.8	100.8	100	1.0%
Hip Knee Replacement	96	105	100	9.4%
Pneumonia	107.7	104.3	100	3.2%

Cost of Major Procedures (includes doctors & hospital stay)

	Carmel-by-the-Sea, CA	Flagler Beach, FL	U.S. Avg	Difference
Heart Attack Hospital	$23,675	$23,368	$23,281	1.3%
Heart Failure Hospital	$16,036	$16,191	$16,237	1.0%
Hip Knee Replacement Hospital	$21,262	$23,250	$22,499	9.4%
Pneumonia Hospital	$18,107	$17,545	$17,007	3.1%

Premium Increases (State Level)

	Carmel-by-the-Sea, CA	Flagler Beach, FL	U.S. Avg	Difference
2014-2015	4.0%	6.0%	3.1%	50.0%
2015-2016	0.0%	1.8%	12.5%	∞%
2016-2017	9.3%	15.3%	57.9%	64.5%
2017-2018	26.1%	40.8%	19.0%	56.3%
2018-2019	1.2%	2.4%	-2.2%	100.0%
Since 2014	45.0%	79.3%	113.3%	76.2%

Health Insurance Premiums

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Carmel-by-the-Sea, California vs. Flagler Beach, Florida

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Insurance cost

Procedure & surgery cost

Cost of Major Procedures (includes doctors & hospital stay)

Premium Increases (State Level)

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