Thinking about retirement? If you've been dreaming of a warm place by the sea, or a desert retreat, you might want to reconsider that.

Bankrate.com has some surprising news in its latest review of the best and worst retirement destinations, with some states changing places in the rankings.

The current retirement crisis plays into the changes. Not only does cost of living increasingly occupy a top role in the choice of where to spend one's golden years, but so does the quality of health care available in the area.

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