Best & Worst States for Health Care (2026)

Americans need affordable, quality health care – and that’s extremely apparent in the wake of the COVID-19 pandemic, the biggest public health crisis in over a century. Finding good health care at the right price point should be a priority for everyone, but it’s unfortunately not so easy. The average American spends nearly $14,600 per year on personal health care, according to the most recent estimates from the Centers for Medicare & Medicaid Services. That’s a daunting statistic considering that many people are already struggling financially due to high inflation.

In addition, while health care in the U.S. is expensive, higher medical costs don’t necessarily translate to better results. According to research by the Kaiser Family Foundation, the U.S. lags behind several other wealthy nations on several measures, such as health coverage, life expectancy and disease burden, which measures longevity and quality of life. However, the U.S. has improved in giving more health care access for people in worse health, and health care cost growth has slowed somewhat.

Conditions aren’t uniform across the U.S., though. To determine where Americans receive the best and worst health care, WalletHub compared the 50 states and the District of Columbia across 44 measures of cost, accessibility and outcomes.

“Health care has two crucial components, cost and quality. The best health care in the nation isn’t helpful if it bankrupts the people who try to get it, and cheap health care isn’t worth paying for if it provides subpar or ineffective treatment. Therefore, the best states for health care are those that make high-quality care affordable, on top of providing many options for doctors and making insurance easily accessible.”

Chip Lupo, WalletHub Analyst

Main Findings

States with Best Health Care Systems

Note: With the exception of “Total Score,” all of the columns in the table above depict the relative rank of that state, where a rank of 1 represents the best conditions for that metric category.

Avg. Monthly Insurance Premium

Lowest

• 1. New Hampshire
• 2. Idaho
• 3. Virginia
• 4. Maryland
• 5. Indiana

Highest

• 47. Connecticut
• 48. Wyoming
• 49. Vermont
• 50. Alaska
• 51. West Virginia

Best State vs. Worst State: 3x Difference

New Hampshire vs. West Virginia

Hospital Beds per Capita

Most

• 1. District of Columbia
• 2. Mississippi
• 3. Arkansas
• 4. West Virginia
• 5. Louisiana

Fewest

• 47. Maryland
• 48. Oregon
• 49. Washington
• 50. Idaho
• 51. Utah

Best State vs. Worst State: 4x Difference

District of Columbia vs. Utah

Physicians per Capita

Most

• 1. District of Columbia
• 2. Massachusetts
• 3. New York
• 4. Connecticut
• 5. Maryland

Fewest

• 47. Montana
• 48. Texas
• 49. Mississippi
• 50. Nevada
• 51. Idaho

Best State vs. Worst State: 5x Difference

District of Columbia vs. Idaho

Dentists per Capita

Most

• T-1. District of Columbia
• T-1. Colorado
• T-1. Connecticut
• 4. Virginia
• 5. Wyoming

Fewest

• 47. Alabama
• 48. West Virginia
• 49. Utah
• 50. Tennessee
• 51. Kentucky

Best State vs. Worst State: 3x Difference

District of Columbia vs. Kentucky

% of Medical Residents Retained

Highest

• 1. California
• 2. Montana
• 3. Alaska
• 4. Florida
• 5. Texas

Lowest

• 47. Wyoming
• 48. Rhode Island
• 49. New Hampshire
• 50. Delaware
• 51. District of Columbia

Best State vs. Worst State: 5x Difference

California vs. District of Columbia

% of Insured Adults Aged 19 to 64

Highest

• 1. Massachusetts
• 2. District of Columbia
• 3. Hawaii
• T-4. Rhode Island
• T-4. Vermont

Lowest

• 47. Mississippi
• 48. Florida
• 49. Georgia
• 50. Oklahoma
• 51. Texas

% of Insured Children Aged 0 to 18

Highest

• 1. Massachusetts
• 2. Vermont
• 3. New York
• 4. District of Columbia
• 5. Rhode Island

Lowest

• 47. Alaska
• 48. Oklahoma
• 49. Arizona
• 50. Wyoming
• 51. Texas

Infant Mortality Rate

Lowest

• 1. New Hampshire
• 2. Vermont
• 3. Massachusetts
• 4. New Jersey
• 5. Wyoming

Highest

• 47. Louisiana
• 48. Alaska
• 49. Alabama
• 50. Arkansas
• 51. Mississippi

Best State vs. Worst State: 3x Difference

New Hampshire vs. Mississippi

Cancer Rate

Lowest

• 1. New Mexico
• 2. Arizona
• 3. Nevada
• 4. Colorado
• 5. Oregon

Highest

• 47. Maine
• 48. Connecticut
• 49. West Virginia
• 50. Iowa
• 51. Kentucky

Stroke & Heart Disease Rate

Lowest

• 1. Nevada
• 2. New Jersey
• 3. District of Columbia
• 4. New Hampshire
• 5. Colorado

Highest

• 47. Tennessee
• T-48. Alabama
• T-48. Arkansas
• 50. Kentucky
• 51. West Virginia

% of At-Risk Adults with No Routine Doctor Visit in Past Two Years

Lowest

• 1. West Virginia
• 2. Kentucky
• 3. Louisiana
• 4. Rhode Island
• T-5. Missouri
• T-5. South Carolina

Highest

• T-46. California
• T-46. District of Columbia
• 48. Oregon
• 49. Colorado
• 50. Washington
• 51. New Mexico

Best State vs. Worst State: 2x Difference

West Virginia vs. New Mexico

% of Adults with No Dental Visit in Past Year

Lowest

• 1. Connecticut
• 2. Massachusetts
• 3. Hawaii
• 4. Utah
• 5. District of Columbia

Highest

• 47. Mississippi
• 48. Alabama
• 49. Texas
• 50. West Virginia
• 51. Arkansas

Best State vs. Worst State: 2x Difference

Connecticut vs. Arkansas

Show More

In-Depth Look at the Best States for Health Care

New Hampshire

New Hampshire is the best state for health care, with the fourth-lowest out-of-pocket medical spending in the country. Residents also have the lowest average monthly health insurance premium, at around $470.

The Granite State has the fifth-highest nurses per capita and sixth-highest physician assistants per capita, a testament to the strength of its frontline health care workforce. People with immediate but less dire issues can also benefit from the fact that New Hampshire has the most urgent care centers per capita that are certified by the Urgent Care Association of America.

To top things off, New Hampshire stands out for its strong overall health profile, it has the fifth-lowest share of residents with coronary heart disease. It also has the third-lowest prevalence of strokes and the second-lowest prevalence of type-2 diabetes in the country.

Rhode Island

Rhode Island is the second-best state for health care, and its residents have the lowest out-of-pocket medical spending in the country, at just 5.6% of their income. Rhode Island also has a lot of medical professionals, with the sixth-most physicians per capita and sixth-most geriatricians per capita, so it’s easier to get seen in a timely manner and get second opinions.

In addition, 94% of adults and 97% of children in Rhode Island have health insurance, the fourth-highest and fifth-highest percentages in the country, respectively.

To top things off, Rhode Island residents clearly have good access to preventative medical care. The Ocean State has the fourth-lowest percentage of people without a routine doctor visit in the past two years and the sixth-lowest share of people who haven’t visited a dentist in the past year. The state also has a very high vaccination rate for children, which contributes to the 13th-lowest child death rate in the nation.

Minnesota

Minnesota is the third-best state for health care, boasting the highest number of convenient care clinics per capita. It’s also relatively inexpensive to get health care in the state, as Minnesota has the 13th-lowest average out-of-pocket medical spending and the eighth-lowest average monthly insurance premium. Plus, the average dental visit costs less in only eight other states.

The quality of health care matters as much as the cost, and Minnesota delivers. It has the eighth-best public hospital system in the country, and residents have the fifth-highest life expectancy. The state also has an extremely low maternal mortality rate, and it only takes around 16 minutes for the average person to be seen at the emergency room.

Ask the Experts

As Americans anticipate changes to their health care in both the short and long terms, we asked a panel of experts to weigh in with their thoughts on the following key questions:

1. What tips do you have for a person looking to find the right balance between the cost of premium and level of coverage?
2. What are the most important steps Americans can take to minimize health-related expenditures?
3. What is your opinion on Medicare-for-All?
4. What are the major issues facing health care in 2025?

Ask the Experts

Michael Stowe
Ph.D., FACHE - Professor and Chair-Healthcare Programs, College of Business and Health Administration - University of St. Francis
Read More

Keith A. Joiner
M.D., M.P.H, - Professor of Medicine, Economics, Cellular and Molecular Medicine and Public Health at the University of Arizona
Read More

Nancy Chun Feng
DBA - Professor of Accounting, Associate Editor of JPBAFM, Sawyer Business School - Suffolk University
Read More

Aleta Ostlund
M.A. - Consumer Affairs Program - Dept. of Family and Consumer Sciences, College of Health and Human Services - California State University, Long Beach
Read More

Matthew Notowidigdo
David McDaniel Keller Professor of Economics and Business and Public Policy Fellow – University of Chicago Booth School of Business
Read More

Charles C. Yang
Ph.D. – Professor and Kaye Insurance Fellow, Department of Finance – Florida Atlantic University College of Business
Read More

More Experts

Methodology

In order to determine the best and worst states for health care, WalletHub compared the 50 states and the District of Columbia across three key dimensions: 1) Cost, 2) Access and 3) Outcomes.

We evaluated those dimensions using 44 relevant metrics, which are listed below with their corresponding weights. Each metric was graded on a 100-point scale, with a score of 100 representing the best health care at the most reasonable cost.

Finally, we determined each state and the District’s weighted average across all metrics to calculate its overall score and used the resulting scores to rank-order our sample.

Cost – Total Points: 33.33

• Cost of Medical Visit: Full Weight (~5.56 Points)
• Average Hospital Expenses per Inpatient Day at Community Hospitals: Full Weight (~5.56 Points)
  Note: Includes all operating and non-operating expenses for registered U.S. community hospitals, defined as nonfederal short-term general and other special hospitals whose facilities and services are available to the public.
• Cost of Dental Visit: Full Weight (~5.56 Points)
• Average Monthly Insurance Premium: Full Weight (~5.56 Points)
• Share of High Out-of-Pocket Medical Spending: Full Weight (~5.56 Points)
  Note: This metric measures the share of the population aged 64 and younger with high out-of-pocket medical spending relative to their annual income.
• Share of Adults with No Doctor Visits Due to Cost: Full Weight (~5.56 Points)

Access – Total Points: 33.33

• Quality of Public Hospital System: Full Weight (~1.39 Points)
  Note: This metric is based on the Centers for Medicare & Medicaid Services’ ranking of public hospital systems.
• Hospital Beds per Capita: Full Weight (~1.39 Points)
• Average Response Time from EMS Notification to EMS Arrival (minutes): Full Weight (~1.39 Points)
• Average Emergency-Room Wait Time: Full Weight (~1.39 Points)
• Time Before Admission: Full Weight (~1.39 Points)
  Note: This metric refers to the average time, in hours, patients spend in the emergency room before being admitted to the hospital.
• Share of Patients Leaving the ER Without Being Seen: Full Weight (~1.39 Points)
• Physicians per Capita: Full Weight (~1.39 Points)
• Geriatricians per Population Aged 65 & Older: Full Weight (~1.39 Points)
• Nurse Practitioners per Capita: Full Weight (~1.39 Points)
• Physician Assistants per Capita: Full Weight (~1.39 Points)
• EMTs & Paramedics per Capita: Full Weight (~1.39 Points)
  Note: “EMTs” refer to emergency medical technicians.
• Urgent-Care Centers per Capita: Full Weight (~1.39 Points)
  Note: “Urgent-Care Centers” include those certified by the Urgent Care Association of America (UCAOA).
• Convenient Care Clinics per Capita: Full Weight (~1.39 Points)
• Medicare Certified Rural Health Clinics per Rural Population: Full Weight (~1.39 Points)
  Note: Medicare Certified Rural Health Clinics (RHCs): RHCs provide primary care and preventive services in rural, underserved areas. They can be public, non-profit, or for-profit facilities, must be staffed at least 50% of the time with Nurse Practitioners, PAs, or Certified Nurse Midwives, and must meet certain other facility and quality requirements.
• Dentists per Capita: Full Weight (~1.39 Points)
• Share of Medical Residents Retained: Full Weight (~1.39 Points)
• Medicare Acceptance Rate Among Physicians: Full Weight (~1.39 Points)
• Medicaid Acceptance Rates Among Physicians: Full Weight (~1.39 Points)
• Share of Insured Adults: Full Weight (~1.39 Points)
  Note: “Adults” include the population aged 19 to 64.
• Share of Insured Children: Full Weight (~1.39 Points)
  Note: “Children” include the population aged 0 to 18.
• Share of Adults with No Personal Doctor: Full Weight (~1.39 Points)
• Status of State ACA Innovation Waivers: Full Weight (~1.39 Points)
  Note: This metric measures if a state has either released a draft, enacted a legislation or has had an Innovation waiver approved by federal government.
• Adoption of Telehealth Services: Full Weight (~1.39 Points)
  Note: “Telehealth,” as defined by the Health Resources and Services Administration (HRSA) of the U.S. Department of Health and Human Services, is the use of electronic information and telecommunications technologies to support and promote long-distance clinical health care, patient and professional health-related education, public health and health administration. This composite metric includes Patient Setting, Technology, Provider Types and Medicaid Coverage.
• Patient Encounters in Community Health Centers per Capita: Full Weight (~1.39 Points)
  Note: “Community Health Centers” refer to Federally Qualified Health Centers (FQHCs), which the U.S. Department of Health and Human Services defines as “all organizations receiving grants under Section 330 of the Public Health Service Act (PHS). FQHCs qualify for enhanced reimbursement from Medicare and Medicaid, as well as other benefits.”

Outcomes – Total Points: 33.33

• Infant Mortality Rate: Full Weight (~2.22 Points)
• Child Mortality Rate: Full Weight (~2.22 Points)
• Maternal Mortality Rate: Full Weight (~2.22 Points)
• Share of Patients Readmitted to Hospitals: Full Weight (~2.22 Points)
  Note: This metric measures the percentage of patients readmitted within 30 days following discharge from a hospital.
• Share of Hospitalized Patients Discharged Without Instructions for Home Recovery: Full Weight (~2.22 Points)
• Share of Hospital Patients Who Did Not Receive Patient-Centered Care: Full Weight (~2.22 Points)
• Life Expectancy: Double Weight (~4.44 Points)
• Cancer Incidence Rate: Full Weight (~2.22 Points)
• Stroke & Heart Disease Rate: Full Weight (~2.22 Points)
• Share of Adults with Type 2 Diabetes: Full Weight (~2.22 Points)
• Share of At-Risk Adults with No Routine Doctor Visit in Past Two Years: Full Weight (~2.22 Points)
• Share of Adults with No Dental Visit in the Past Year: Full Weight (~2.22 Points)
• Share of Children with Medical & Dental Preventive-Care Visits in Past Year: Full Weight (~2.22 Points)
  Note: “Children” include the population aged 0 to 17.
• Share of Non-Immunized Children: Full Weight (~2.22 Points)
  Note: “Children” include the population aged 0 to 35 months.

Sources: Data used to create this ranking were collected as of June 30, 2025 from the U.S. Census Bureau, Bureau of Labor Statistics, Council for Community and Economic Research, The Commonwealth Fund, Trust for America's Health and Robert Wood Johnson Foundation, U.S. Department of Agriculture, Child and Adolescent Health Measurement Initiative, United Health Foundation, Centers for Medicare & Medicaid Services, Health Resources & Services Administration, ProPublica, Association of American Medical Colleges, Centers for Disease Control and Prevention, American Telemedicine Association, Urgent Care Association of America, Convenient Care Association, Kaiser Family Foundation, State Health Access Data Assistance Center, American Board of Medical Specialties, State Health and Value Strategies, County Health Rankings, and National Highway Traffic Safety Administration.

Supporting Video Files:

• YouTube - National (for web embedding)
• YouTube - New Hampshire (for web embedding)
• Raw video files (for editing into clips)