10/18/2025
The Future Is Now
Jennifer Baker, CalRTA Legislative Advocate
Two complex issues that seniors will be facing in a more dramatic fashion are affordable housing and the impact of Medicaid cuts on senior health care. These each impact senior’s retirement security in vastly different but potentially harsh ways.
While the affordable housing crisis is often presented as an issue facing working families, its impact on seniors is dramatic. Close to 35 percent of older renters in California spend more than half their income on housing. This is difficult for seniors on a fixed income who have little wiggle-room in their monthly budget. Senior homelessness has been rising, with adults 50+ now nearly representing half of the state’s homeless population.
Housing instability has been proven to worsen the health, isolation, and safety risks for seniors. Addressing affordable housing has been elusive for working families. For seniors, affordable senior housing is scarce, with 3–4-year waitlists and thousands of units at risk of loss. Seniors often must keep working into their 60s, 70s, or even 80s, or choose between rent, food, and medicine as housing encroaches on their financial security. As California searches for answers to addressing this expanding crisis, it will be important to consider expanding affordable housing, providing rental help and legal protections, and preserving existing senior housing.
The recent Medicaid cuts are likely to dramatically impact California’s health industry. As a result of the loss of thousands of Medicaid patients, hospital closures could result, hitting rural and community hospitals hardest, especially in the Central Valley and Northern CA. These cuts could reduce clinics, specialists, and nursing home capacity, leaving seniors with fewer care options. Medi-Cal funds over half of all nursing home beds—losses due to Medicaid cuts could mean fewer admissions and lower staffing for Medicaid patients. Additional ripple effects include longer wait times, job losses, and more emergency room crowding. California seniors in both rural and urban areas may face greater travel for care, fewer in-home supports, and loss of long-term care services.