As you recover from sticker shock, please remember how the numbers were generated:

• Costs are for Medicare Part B Premiums, Medicare Part D Premiums, and Supplemental Insurance Premiums.

• Surcharges for exceeding retirement Modified Adjusted Gross Income thresholds are not included.

• Projections reflect costs for a healthy 65-year-old retiring today, living through age 84, totaling 20 years in retirement.

Here are the 10 most expensive states for health care:

1. Florida

Considering its large population of seniors, maybe it should come as no surprise that Florida is the most expensive state for health care in retirement.

Medicare Parts B and D and supplemental insurance premiums add up to a hefty $152,184 for a 20-year-long retirement – and that's before anyone actually needs care.

2. Michigan

Michigan's no bargain either, particularly since it comes in at just a few small dollars short of Florida.

Twenty years' worth of health care premiums here will cost you $152,175 – not even a sawbuck's worth of savings over the Sunshine State.

3. Maryland

That 20-year span of premiums is enough cheaper in Maryland for a few crab dinners, maybe, but not much else.

Retirees in the Free State will pay $151,438 for the privilege of watching the sun rise over the Chesapeake Bay – definitely not free.

4. Massachusetts

$151,110. That's how much your retiree clients could pay just for health care premiums over 20 years.

If they're not well off, getting Red Sox season tickets could put them in the red.

5. Nevada

Retirees in the Silver State will find themselves spending a fair amount of that silver to pay their health care premiums, which will cost them $151,014 over 20 years.

They could try a trip to Vegas to help – do they feel lucky?

6. Louisiana

Retirees in the Pelican State might wish, especially if they're fans of Dixon Lanier Merritt, that they had a beakful of money to pay 20 years' worth of health care premiums here.

At the very least they'll need a thick wallet to hold the $149,661 it will cost them.

(And if you're wondering about that beakful of money and its connection to Merritt? Back in 1910, he wrote a very famous limerick, often attributed to Ogden Nash, that goes,

“A wonderful bird is the pelican,
His bill will hold more than his belican,
He can take in his beak
Enough food for a week
But I'm damned if I see how the helican!”)

7. New Jersey

What? New Jersey not at the top of the “most expensive” list?

That's a surprise – but it's still no bargain to pay for 20 years' worth of health care premiums in retirement in the Garden State, where it will cost $148,865. Better make that a victory garden, so retirees can eat, too.

8. Illinois

Whether they live in the Chicago area or not, retirees will be blown away by the cost of 20 years of premiums. They'll need $147,203 to stay healthy – or try to – in the Prairie State.

9. Texas

Everything's big in Texas, so it should come as no surprise that health care premiums are, too.

Retirees in the Lone Star State can look forward to forking over $146,969 for the privilege of being covered – and that's before they set foot in a doctor's office.

10. Indiana

Hoosier retirees, prepare yourselves.

You'll need to set aside $145,235 just for 20 years of health care coverage. Even though the cost here is nearly $7,000 less than in the most expensive state, it's no bargain.