There is an increasing demand for retirement communities that provide moderate support for elderly residents who are reasonably self-sufficient. But these facilities are very expensive. At least the good ones are.
So, Northwestern University Medical School has come up with an answer: cruise ships! Working with Norwegian Cruise Lines they have developed a workable and affordable solution, and they expect other operators may join them. After all, some modern cruise ships already have full hospital services and nursing staff, and they provide accommodations that include the kind of maids and food service that is comparable to or better than most retirement homes. They also offer free entertainment and internet service as well. Moreover the cruise operators are accustomed to providing facilities and services for older people since the average age of their customers is close to 60. What the Northwestern researchers found is that, when you add up all costs, this can be a relatively price-competitive alternative with a lot of fringe benefits.
This isn’t the same thing as simply booking frequent voyages. That option has been in effect for a long time and it can be workable although it isn’t cheap. Actually living full-time on the high seas avoids many common expenses: transportation, insurance, home maintenance, and so on. Meals are included, often with excellent and varied cuisine, and the cruise line can tailor them to special health needs. On the other hand, this is comparable to living in a condo community in that there are usually fairly steep monthly association fees. And don’t expect to avoid state taxes as most states assume you continue your residency even without a home domicile unless you establish residency in another state. Of course it might be smart to do exactly that. A good choice is Florida since it imposes no state income tax and is the home port for many cruise lines.
For the cruise lines, this allows them to have a reliable base clientele and to fill empty cabins on a year-round basis, i.e. not just during the prime vacation seasons. They even get revenue if the ship must be docked for service and refurbishment or if weather interferes with cruise travel.
For the retirees this works out fairly well, as long as they can tolerate long ocean voyages and physical separation from family members. Not all would qualify but for those who do this could be a great alternative, particularly if they enjoy foreign travel anyway. This isn’t a solution for the larger problem of an aging population of course, unless it grew into a major commercial enterprise on its own. I suspect that it might do exactly that in time.