4. Spokane, Wash.
Annual Healthcare Spending Per Capita: $4,591
Annual Out-of-Pocket Spending Per Capita: $697
Income of Age 65+ Households: $43,831
Spokane is one city where the out-of-pocket medical costs faced by the average resident are relatively affordable. Just 15.2 percent of total medical costs and 1.6 percent of the average income are going to out-of-pocket medical expenses in a typical year for the average senior citizen in Spokane, both of which are among the lowest levels in the study.