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
9.6% higher in Carmel-by-the-Sea, California
than in Flat Rock, North Carolina

Insurance cost

	Flat Rock, NC	Carmel-by-the-Sea, CA	U.S. Avg	Difference
Insurance Premium	131.5	156.2	100	18.8%

Procedure & surgery cost

	Flat Rock, NC	Carmel-by-the-Sea, CA	U.S. Avg	Difference
Heart Attack	104.8	102.6	100	2.1%
Heart Failure	102.1	99.8	100	2.3%
Hip Knee Replacement	99.7	96	100	3.7%
Pneumonia	106.5	107.7	100	1.1%

Cost of Major Procedures (includes doctors & hospital stay)

	Flat Rock, NC	Carmel-by-the-Sea, CA	U.S. Avg	Difference
Heart Attack Hospital	$24,190	$23,675	$23,281	2.1%
Heart Failure Hospital	$16,408	$16,036	$16,237	2.3%
Hip Knee Replacement Hospital	$22,067	$21,262	$22,499	3.6%
Pneumonia Hospital	$17,910	$18,107	$17,007	1.1%

Premium Increases (State Level)

	Flat Rock, NC	Carmel-by-the-Sea, CA	U.S. Avg	Difference
2014-2015	6.0%	4.0%	3.1%	33.3%
2015-2016	23.1%	0.0%	12.5%	100.0%
2016-2017	39.6%	9.3%	57.9%	76.5%
2017-2018	15.5%	26.1%	19.0%	68.4%
2018-2019	-1.4%	1.2%	-2.2%	185.7%
Since 2014	107.4%	45.0%	113.3%	58.1%

Health Insurance Premiums

State average

Cost of Taxes

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Flat Rock, North Carolina vs. Carmel-by-the-Sea, California

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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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