While Hawaii is ranked #1 for health care access, retirees should think twice about living the island life unless money isn't an issue. Hawaii has the highest cost of living in the U.S. That's because it must ship nearly everything in from the mainland. So from gas to groceries, cars to housing, Hawaii will give most people immediate sticker shock. A gallon of milk on Oahu costs $8.99, for instance. Yes, it's paradise, but there are also hazards, including hurricanes, tsunamis, volcanic eruptions, floods, and even stinging jellyfish.

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