10. Phoenix
Annual Healthcare Spending Per Capita: $4,528
Annual Out-of-Pocket Spending Per Capita: $827
Income of Age 65+ Households: $44,300
Phoenix is another area where the out-of-pocket costs for medical care are relatively high, with a little over 18 percent of the annual total for healthcare expenditures coming directly from patients. That’s the third-highest level of any city in this study.