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You need healthcare for all your life, not just when retiring. Why wouldn't you want to live and work in the state with healthcare if it actually works out cheaper for you and less risky? It's a completely false economy to live in the other state with no healthcare but have to pay high insurance rates and have high deductibles?
The elderly have much higher per-capita healthcare consumption than do people during other points in their life.
One element of the ACA was capping insurance premiums for seniors at an 3:1 ratio, where seniors couldn't be charged more than 3 times the premiums of people at other ages in life.
Damn, they should do this to CEO:Employee compensation too
The elderly population has greater healthcare spending per cap than the 20-30 year old population. Getting old sucks.