John - welcome to the BB. We have a cabin up in the Hayward areaMy in-laws also used to live up there p/t in the summer (before my FIL died). I do know that the residents up there go to Duluth for alot of the specialized medical attention. When my FIL fell ill, he had to be medi-vacced from Hayward Hospital to Duluth. There are several large hospital complexes right there on the lakefront.