Another US state makes this list. Illinois has been ranked as the 4th worst state to retire in by Bankrate. The reasons for this are poor scores in affordability, wellness, crime, and infrastructure. In the greater Illinois area, there are only two major hospitals – raising serious concerns about access to healthcare. Crime continues to be a problem as law enforcement is underfunded. However, the biggest repellant for retirees is the sky-high tax rates. Many feel the rate is not worth it for the minimal benefits they are receiving.