Women who skimp on healthcare to save money now may pay more for that decision later, with big physical and emotional tolls.

The trouble is that some women think tightening health budgets offers them one financial cure when the economy is struggling. Yet the sacrifice can contribute to greater stress down the road.

Nearly half of women have chosen not to seek medical care in the past year because the cost was too high, according to a survey by the National Women's Health Resource Center. That included skipping doctor's visits, recommended medical procedures and medication for themselves and their families. Hispanic women were most likely to have passed over care in the last 12 months, compared to white and African American women.

"Today's financial crisis and increasing health costs are clearly impacting women's decisions around health care, and their physical and emotional well-being," said Elizabeth Battaglino Cahill, a nurse and executive director of NWHRC.

With the economy slowing more, this problem is likely to get worse, raising the specter of big health bills down the road when women are even less able to pay them.

The need for healthcare reform is increasing as the economy worsens. Many retiring boomers are worried about potential fixes to the broken Medicare system they'll soon join, while families fret over insurance and affordability. President-elect Obama, who pledged to make healthcare a top priority, will be trying to address this once he takes office Jan. 20.

Managing the Stress
More than 40 percent of women said their health has declined in the past five years, citing stress and weight gain as the primary culprits.

"Long-term stress and weight gain can significantly increase women's risk for other health problems," Cahill said. "Women need help in managing stress and part of that equation is good nutrition and regular exercise. There are many simple, no-cost steps they can take to manage stress including eating better, exercising, deep breathing, meditation and organizing and prioritizing activities."

Women participate in a variety of activities to feel good about their physical health as they age. Giving up cigarettes is the most important one, followed by exercising regularly, visiting the doctor annually for a physical, and maintaining a healthy diet. To feel good on the outside, women said they exercise, wear flattering clothing and use moisturizer.

Still, financial issues are at the forefront of women's minds when it comes to healthy aging, Less than half said they feel financially secure to grow older. Having more retirement and health insurance information would make them feel more prepared, however.

NWHRC created an online wellness center with tips and advice that address some key issues in the survey.