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
12.0% lower in Pagosa Springs, Colorado
than in Carmel-by-the-Sea, California

Insurance cost

	Carmel-by-the-Sea, CA	Pagosa Springs, CO	U.S. Avg	Difference
Insurance Premium	156.2	132.1	100	15.4%

Procedure & surgery cost

	Carmel-by-the-Sea, CA	Pagosa Springs, CO	U.S. Avg	Difference
Heart Attack	102.6	94.8	100	7.6%
Heart Failure	99.8	93.8	100	6.0%
Hip Knee Replacement	96	95.2	100	0.8%
Pneumonia	107.7	90.5	100	16.0%

Cost of Major Procedures (includes doctors & hospital stay)

	Carmel-by-the-Sea, CA	Pagosa Springs, CO	U.S. Avg	Difference
Heart Attack Hospital	$23,675	$21,875	$23,281	7.6%
Heart Failure Hospital	$16,036	$15,078	$16,237	6.0%
Hip Knee Replacement Hospital	$21,262	$21,086	$22,499	0.8%
Pneumonia Hospital	$18,107	$15,219	$17,007	15.9%

Premium Increases (State Level)

	Carmel-by-the-Sea, CA	Pagosa Springs, CO	U.S. Avg	Difference
2014-2015	4.0%	12.0%	3.1%	200.0%
2015-2016	0.0%	-0.3%	12.5%	∞%
2016-2017	9.3%	14.7%	57.9%	58.1%
2017-2018	26.1%	33.5%	19.0%	28.4%
2018-2019	1.2%	3.8%	-2.2%	216.7%
Since 2014	45.0%	77.5%	113.3%	72.2%

Health Insurance Premiums

State average

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Carmel-by-the-Sea, California vs. Pagosa Springs, Colorado

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Insurance cost

Procedure & surgery cost

Cost of Major Procedures (includes doctors & hospital stay)

Premium Increases (State Level)

Health Insurance Premiums

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