The share of Americans under the age of 65 without health insurance fell every year between 2010, when the Affordable Care Act was signed into law, and 2016, when President Barack Obama left office. Though the uninsured rate among Americans younger than 65 has inched up over the years since, it remains well below the 17%+ figures in the years leading up to the ACA.
Without a universal health care program, employer-based health insurance covers most Americans under age 65. Under this system, 10.3% of Americans younger than 65, approximately 25 million people, lacked health insurance in 2019 — and that was before the COVID-19 pandemic put over 22 million Americans out of work.
While most of those jobs have since been restored, the official 2020 uninsured rate for Americans under 65 will likely be higher than the 2019 rate, which, in some parts of the country, was already well above the national uninsured rate levels from before the passing of the ACA.
Using data from the U.S. Census Bureau, 24/7 Tempo identified the 50 ZIP with the worst health insurance coverage. ZIP codes are ranked based on the share of residents under age 65 — the age of eligibility for Medicare — who are uninsured.
Uninsured rates in the places on this list range from 43.2% to 75%. The largest share of ZIP codes on this list are in the Midwest, including seven in Indiana and five in Ohio.
50. 16222
> Location: Dayton, Pennsylvania
> Residents under 65, no health insurance: 43.2%
> Residents under 65, Medicare coverage (or multiple types): 2.7% — 8,691st lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 9.3% — 2,726th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.9% — 7,280th lowest of 19,556 zip codes (tied)
> Residents under 65, employer-based insurance (or multiple types): 43.0% — 2,760th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 6.0% — 2,452nd lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.8% — 7,244th lowest of 19,556 zip codes (tied)
49. 47562
> Location: Odon, Indiana
> Residents under 65, no health insurance: 43.3%
> Residents under 65, Medicare coverage (or multiple types): 3.0% — 9,668th highest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 12.6% — 4,786th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.7% — 5,405th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 33.8% — 986th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 12.4% — 5,045th highest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 2.3% — 4,444th highest of 19,556 zip codes
48. 17509
> Location: Christiana, Pennsylvania
> Residents under 65, no health insurance: 43.3%
> Residents under 65, Medicare coverage (or multiple types): 1.5% — 3,278th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 13.1% — 5,111th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.2% — 1,437th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 41.0% — 2,211th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 5.6% — 1,927th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
47. 59050
> Location: Lodge Grass, Montana
> Residents under 65, no health insurance: 43.4%
> Residents under 65, Medicare coverage (or multiple types): 1.4% — 2,740th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 33.6% — 2,795th highest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.6% — 4,799th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 19.0% — 90th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 2.6% — 240th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.4% — 4,080th lowest of 19,556 zip codes
46. 59043
> Location: Lame Deer, Montana
> Residents under 65, no health insurance: 43.5%
> Residents under 65, Medicare coverage (or multiple types): 1.4% — 2,851st lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 28.3% — 4,801st highest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.9% — 8,211th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 24.7% — 250th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 5.0% — 1,401st lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.7% — 6,958th lowest of 19,556 zip codes
45. 13680
> Location: Rensselaer Falls, New York
> Residents under 65, no health insurance: 43.8%
> Residents under 65, Medicare coverage (or multiple types): 2.0% — 5,424th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 17.9% — 8,433rd lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.3% — 2,268th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 30.7% — 658th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 10.6% — 7,872nd highest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
44. 34142
> Location: Immokalee, Florida
> Residents under 65, no health insurance: 43.8%
> Residents under 65, Medicare coverage (or multiple types): 2.7% — 8,519th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 28.5% — 4,737th highest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.2% — 1,543rd lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 20.5% — 113th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 7.0% — 3,965th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.1% — 1,427th lowest of 19,556 zip codes
43. 99612
> Location: King Cove, Alaska
> Residents under 65, no health insurance: 43.9%
> Residents under 65, Medicare coverage (or multiple types): 0.7% — 740th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 19.8% — 9,707th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.3% — 1,976th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 34.4% — 1,050th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 2.4% — 207th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
42. 17529
> Location: Intercourse, Pennsylvania
> Residents under 65, no health insurance: 44.0%
> Residents under 65, Medicare coverage (or multiple types): 1.1% — 1,713th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 12.8% — 4,881st lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 1.6% — 5,518th highest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 39.5% — 1,907th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 5.4% — 1,690th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
41. 84536
> Location: Oljato-Monument Valley, Utah
> Residents under 65, no health insurance: 44.3%
> Residents under 65, Medicare coverage (or multiple types): 3.5% — 7,824th highest of 19,556 zip codes (tied)
> Residents under 65, Medicaid coverage (or multiple types): 25.0% — 6,520th highest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
> Residents under 65, employer-based insurance (or multiple types): 29.8% — 584th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
40. 16434
> Location: Spartansburg, Pennsylvania
> Residents under 65, no health insurance: 44.3%
> Residents under 65, Medicare coverage (or multiple types): 2.5% — 7,790th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 23.3% — 7,622nd highest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.8% — 6,585th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 30.7% — 657th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 4.9% — 1,220th lowest of 19,556 zip codes (tied)
> Residents under 65, Tricare/military insurance (or many types): 0.3% — 3,318th lowest of 19,556 zip codes
39. 76859
> Location: Menard, Texas
> Residents under 65, no health insurance: 44.8%
> Residents under 65, Medicare coverage (or multiple types): 5.5% — 3,126th highest of 19,556 zip codes (tied)
> Residents under 65, Medicaid coverage (or multiple types): 14.9% — 6,296th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 1.7% — 5,054th highest of 19,556 zip codes (tied)
> Residents under 65, employer-based insurance (or multiple types): 32.1% — 769th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 12.0% — 5,622nd highest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 1.7% — 6,348th highest of 19,556 zip codes
38. 77036
> Location: Houston, Texas
> Residents under 65, no health insurance: 44.9%
> Residents under 65, Medicare coverage (or multiple types): 1.9% — 5,324th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 32.2% — 3,234th highest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.5% — 3,524th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 17.9% — 73rd lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 5.7% — 2,107th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.4% — 3,853rd lowest of 19,556 zip codes
37. 61911
> Location: Arthur, Illinois
> Residents under 65, no health insurance: 45.0%
> Residents under 65, Medicare coverage (or multiple types): 1.3% — 2,681st lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 14.8% — 6,269th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.5% — 3,459th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 34.4% — 1,059th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 5.8% — 2,265th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.3% — 2,943rd lowest of 19,556 zip codes
36. 17004
> Location: Belleville, Pennsylvania
> Residents under 65, no health insurance: 45.1%
> Residents under 65, Medicare coverage (or multiple types): 2.4% — 7,137th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 14.8% — 6,282nd lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.5% — 4,000th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 37.2% — 1,497th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 6.1% — 2,571st lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.6% — 5,651st lowest of 19,556 zip codes
35. 76164
> Location: Fort Worth, Texas
> Residents under 65, no health insurance: 45.1%
> Residents under 65, Medicare coverage (or multiple types): 2.7% — 8,817th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 23.4% — 7,535th highest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.3% — 2,134th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 25.0% — 264th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 5.5% — 1,863rd lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.5% — 5,171st lowest of 19,556 zip codes
34. 78578
> Location: Port Isabel, Texas
> Residents under 65, no health insurance: 45.4%
> Residents under 65, Medicare coverage (or multiple types): 3.0% — 9,701st highest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 21.1% — 8,965th highest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 1.0% — 8,467th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 27.0% — 373rd lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 5.1% — 1,474th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.9% — 8,007th lowest of 19,556 zip codes
33. 46740
> Location: Geneva, Indiana
> Residents under 65, no health insurance: 45.8%
> Residents under 65, Medicare coverage (or multiple types): 2.9% — 9,360th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 16.2% — 7,258th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.1% — 692nd lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 33.9% — 1,005th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 7.9% — 5,803rd lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.4% — 3,599th lowest of 19,556 zip codes
32. 28747
> Location: Lake Toxaway, North Carolina
> Residents under 65, no health insurance: 45.8%
> Residents under 65, Medicare coverage (or multiple types): 2.5% — 7,759th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 19.3% — 9,334th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.3% — 2,296th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 28.6% — 488th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 9.2% — 8,753rd lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 1.2% — 9,335th highest of 19,556 zip codes (tied)
31. 57339
> Location: Fort Thompson, South Dakota
> Residents under 65, no health insurance: 46.2%
> Residents under 65, Medicare coverage (or multiple types): 6.2% — 2,185th highest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 39.4% — 1,480th highest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 1.2% — 9,066th highest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 9.4% — 5th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 1.5% — 100th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.7% — 6,653rd lowest of 19,556 zip codes
30. 87052
> Location: Santo Domingo Pueblo, New Mexico
> Residents under 65, no health insurance: 46.3%
> Residents under 65, Medicare coverage (or multiple types): 3.6% — 7,483rd highest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 39.8% — 1,424th highest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.6% — 5,004th lowest of 19,556 zip codes (tied)
> Residents under 65, employer-based insurance (or multiple types): 12.4% — 15th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 0.2% — 16th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
29. 53926
> Location: Dalton, Wisconsin
> Residents under 65, no health insurance: 46.3%
> Residents under 65, Medicare coverage (or multiple types): 1.3% — 2,385th lowest of 19,556 zip codes (tied)
> Residents under 65, Medicaid coverage (or multiple types): 11.7% — 4,142nd lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.3% — 1,869th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 39.4% — 1,894th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 6.3% — 2,843rd lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
28. 75220
> Location: Dallas, Texas
> Residents under 65, no health insurance: 46.5%
> Residents under 65, Medicare coverage (or multiple types): 1.2% — 2,225th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 20.8% — 9,189th highest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.4% — 2,826th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 26.2% — 328th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 6.0% — 2,454th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.4% — 3,792nd lowest of 19,556 zip codes
27. 46772
> Location: Monroe, Indiana
> Residents under 65, no health insurance: 46.6%
> Residents under 65, Medicare coverage (or multiple types): 0.6% — 602nd lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 9.6% — 2,890th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
> Residents under 65, employer-based insurance (or multiple types): 32.8% — 857th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 13.5% — 3,751st highest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
26. 87001
> Location: San Felipe Pueblo, New Mexico
> Residents under 65, no health insurance: 46.7%
> Residents under 65, Medicare coverage (or multiple types): 3.9% — 6,507th highest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 30.4% — 3,923rd highest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.2% — 1,434th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 24.4% — 240th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 2.5% — 219th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
25. 17536
> Location: Kirkwood, Pennsylvania
> Residents under 65, no health insurance: 47.3%
> Residents under 65, Medicare coverage (or multiple types): 2.2% — 6,253rd lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 12.3% — 4,577th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.2% — 1,308th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 38.8% — 1,772nd lowest of 19,556 zip codes (tied)
> Residents under 65, direct-purchase insurance (or multiple types): 5.3% — 1,650th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.8% — 7,725th lowest of 19,556 zip codes
24. 54422
> Location: Curtiss, Wisconsin
> Residents under 65, no health insurance: 47.6%
> Residents under 65, Medicare coverage (or multiple types): 0.9% — 1,318th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 12.1% — 4,407th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.5% — 3,823rd lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 35.1% — 1,139th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 7.2% — 4,388th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.2% — 2,065th lowest of 19,556 zip codes
23. 17563
> Location: Wakefield, Pennsylvania
> Residents under 65, no health insurance: 47.6%
> Residents under 65, Medicare coverage (or multiple types): 1.8% — 4,537th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 10.8% — 3,585th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 1.7% — 4,982nd highest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 37.0% — 1,450th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 6.8% — 3,704th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 1.9% — 5,593rd highest of 19,556 zip codes (tied)
22. 44624
> Location: Dundee, Ohio
> Residents under 65, no health insurance: 47.9%
> Residents under 65, Medicare coverage (or multiple types): 0.6% — 558th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 4.6% — 640th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
> Residents under 65, employer-based insurance (or multiple types): 31.9% — 757th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 16.9% — 1,598th highest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.5% — 4,742nd lowest of 19,556 zip codes
21. 78594
> Location: Sebastian, Texas
> Residents under 65, no health insurance: 48.0%
> Residents under 65, Medicare coverage (or multiple types): 4.2% — 5,795th highest of 19,556 zip codes (tied)
> Residents under 65, Medicaid coverage (or multiple types): 31.6% — 3,475th highest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.7% — 5,713th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 18.0% — 75th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 2.9% — 317th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
20. 46543
> Location: Millersburg, Indiana
> Residents under 65, no health insurance: 48.7%
> Residents under 65, Medicare coverage (or multiple types): 0.5% — 447th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 8.4% — 2,252nd lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 1.5% — 6,481st highest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 44.5% — 3,162nd lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 3.2% — 382nd lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.5% — 5,318th lowest of 19,556 zip codes
19. 44633
> Location: Holmesville, Ohio
> Residents under 65, no health insurance: 49.0%
> Residents under 65, Medicare coverage (or multiple types): 0.2% — 158th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 2.0% — 94th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 1.2% — 8,746th highest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 44.2% — 3,063rd lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 4.9% — 1,222nd lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
18. 86538
> Location: Many Farms, Arizona
> Residents under 65, no health insurance: 49.8%
> Residents under 65, Medicare coverage (or multiple types): 0.9% — 1,296th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 17.3% — 7,964th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.5% — 3,680th lowest of 19,556 zip codes (tied)
> Residents under 65, employer-based insurance (or multiple types): 30.5% — 646th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 2.1% — 160th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.5% — 4,841st lowest of 19,556 zip codes (tied)
17. 86504
> Location: Fort Defiance, Arizona
> Residents under 65, no health insurance: 51.1%
> Residents under 65, Medicare coverage (or multiple types): 2.4% — 7,401st lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 19.1% — 9,198th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.4% — 3,315th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 27.2% — 388th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 1.5% — 97th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.4% — 4,451st lowest of 19,556 zip codes
16. 43804
> Location: Baltic, Ohio
> Residents under 65, no health insurance: 51.3%
> Residents under 65, Medicare coverage (or multiple types): 0.7% — 684th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 7.0% — 1,505th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 1.4% — 7,500th highest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 21.1% — 128th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 23.1% — 399th highest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.3% — 3,105th lowest of 19,556 zip codes
15. 86545
> Location: Rock Point, Arizona
> Residents under 65, no health insurance: 51.7%
> Residents under 65, Medicare coverage (or multiple types): 7.0% — 1,383rd highest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 21.6% — 8,634th highest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.4% — 2,829th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 21.3% — 135th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 0.5% — 31st lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
14. 84026
> Location: Fort Duchesne, Utah
> Residents under 65, no health insurance: 53.6%
> Residents under 65, Medicare coverage (or multiple types): 2.0% — 5,730th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 19.4% — 9,418th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.5% — 4,228th lowest of 19,556 zip codes (tied)
> Residents under 65, employer-based insurance (or multiple types): 22.7% — 170th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 6.4% — 3,107th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
13. 59417
> Location: North Browning, Montana
> Residents under 65, no health insurance: 54.5%
> Residents under 65, Medicare coverage (or multiple types): 1.5% — 3,227th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 29.9% — 4,115th highest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.6% — 4,810th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 13.4% — 28th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 2.6% — 248th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.1% — 1,732nd lowest of 19,556 zip codes
12. 99661
> Location: Sand Point, Alaska
> Residents under 65, no health insurance: 55.4%
> Residents under 65, Medicare coverage (or multiple types): 0.9% — 1,351st lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 14.6% — 6,114th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.8% — 7,184th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 25.9% — 312th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 3.6% — 504th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.8% — 7,268th lowest of 19,556 zip codes
11. 65011
> Location: Barnett, Missouri
> Residents under 65, no health insurance: 56.3%
> Residents under 65, Medicare coverage (or multiple types): 3.4% — 8,211th highest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 27.2% — 5,339th highest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.7% — 6,167th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 17.1% — 65th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 2.6% — 241st lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
10. 46565
> Location: Shipshewana, Indiana
> Residents under 65, no health insurance: 56.7%
> Residents under 65, Medicare coverage (or multiple types): 1.4% — 2,764th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 7.6% — 1,828th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 1.9% — 4,200th highest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 29.1% — 533rd lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 7.4% — 4,666th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
9. 64648
> Location: Jamesport, Missouri
> Residents under 65, no health insurance: 57.6%
> Residents under 65, Medicare coverage (or multiple types): 1.9% — 5,245th lowest of 19,556 zip codes (tied)
> Residents under 65, Medicaid coverage (or multiple types): 11.3% — 3,887th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.7% — 5,303rd lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 22.3% — 156th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 9.9% — 9,399th highest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.3% — 2,987th lowest of 19,556 zip codes
8. 14726
> Location: Conewango Valley, New York
> Residents under 65, no health insurance: 57.9%
> Residents under 65, Medicare coverage (or multiple types): 1.2% — 2,034th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 17.8% — 8,322nd lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.9% — 7,231st lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 21.1% — 130th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 6.2% — 2,763rd lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.2% — 2,171st lowest of 19,556 zip codes
7. 44606
> Location: Apple Creek, Ohio
> Residents under 65, no health insurance: 59.3%
> Residents under 65, Medicare coverage (or multiple types): 1.8% — 4,476th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 11.5% — 3,998th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.1% — 671st lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 23.8% — 207th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 5.5% — 1,867th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.3% — 2,878th lowest of 19,556 zip codes
6. 16872
> Location: Rebersburg, Pennsylvania
> Residents under 65, no health insurance: 60.7%
> Residents under 65, Medicare coverage (or multiple types): 1.2% — 2,130th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 11.8% — 4,212th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 1.5% — 6,190th highest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 21.2% — 134th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 5.3% — 1,599th lowest of 19,556 zip codes (tied)
> Residents under 65, Tricare/military insurance (or many types): 0.9% — 8,698th lowest of 19,556 zip codes
5. 17572
> Location: Ronks, Pennsylvania
> Residents under 65, no health insurance: 61.0%
> Residents under 65, Medicare coverage (or multiple types): 3.6% — 7,688th highest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 8.4% — 2,294th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 1.5% — 6,565th highest of 19,556 zip codes (tied)
> Residents under 65, employer-based insurance (or multiple types): 23.6% — 196th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 6.2% — 2,822nd lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
4. 16256
> Location: Smicksburg, Pennsylvania
> Residents under 65, no health insurance: 64.4%
> Residents under 65, Medicare coverage (or multiple types): 0.2% — 160th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 11.6% — 4,127th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
> Residents under 65, employer-based insurance (or multiple types): 21.4% — 136th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 3.7% — 550th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.1% — 1,581st lowest of 19,556 zip codes
3. 47558
> Location: Montgomery, Indiana
> Residents under 65, no health insurance: 68.3%
> Residents under 65, Medicare coverage (or multiple types): 0.3% — 234th lowest of 19,556 zip codes (tied)
> Residents under 65, Medicaid coverage (or multiple types): 2.1% — 98th lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.0% reported — 637th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 19.0% — 91st lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 10.9% — 7,321st highest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
2. 46571
> Location: Topeka, Indiana
> Residents under 65, no health insurance: 72.0%
> Residents under 65, Medicare coverage (or multiple types): 1.0% — 1,570th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 5.2% — 821st lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
> Residents under 65, employer-based insurance (or multiple types): 20.2% — 109th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 3.5% — 487th lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
1. 44627
> Location: Fredericksburg, Ohio
> Residents under 65, no health insurance: 75.0%
> Residents under 65, Medicare coverage (or multiple types): 0.3% — 246th lowest of 19,556 zip codes
> Residents under 65, Medicaid coverage (or multiple types): 4.6% — 642nd lowest of 19,556 zip codes
> Residents under 65, VA coverage (or multiple types): 0.0% reported — 628th lowest of 19,556 zip codes
> Residents under 65, employer-based insurance (or multiple types): 15.7% — 45th lowest of 19,556 zip codes
> Residents under 65, direct-purchase insurance (or multiple types): 4.9% — 1,261st lowest of 19,556 zip codes
> Residents under 65, Tricare/military insurance (or many types): 0.0% reported — 1st lowest of 19,556 zip codes (tied)
Methodology
To determine the ZIP codes with the worst health insurance coverage in the nation, 24/7 Tempo reviewed five-year estimates of the percentage of the noninstitutionalized civilian population under 65 without health insurance from the U.S. Census Bureau’s 2019 American Community Survey.
We used ZIP Code Tabulation Areas — a census geography type which defines areal representations of United States Postal Service ZIP codes (USPS ZIP codes do not define geographic boundaries but instead are a network of mail delivery routes in a service area). We refer to Census ZCTAs as ZIP codes.
Of the 33,120 ZIP codes the Census publishes data for, 32,989 had boundaries that fell within one of the 50 states or the District of Columbia.
ZIP codes were excluded if the noninstitutionalized civilian population under 65 was less than 1,000 or if the sampling error associated with a ZIP code’s data was deemed too high.
The sampling error was defined as too high if the coefficient of variation — a statistical assessment of how reliable an estimate is — for a ZIP code’s under 65 uninsured rate was above 15% and greater than two standard deviations above the mean CV for all ZIP codes’ under 65 uninsured rates. We similarly excluded ZIP codes that had a sampling error too high for their under 65 noninstitutionalized civilian population, using the same definition.
We selected the under 65 age group because Americans become eligible for Medicare at age 65, and the uninsured rate for the population above this age is less than 1% nationwide. However, because the Census doesn’t publish insurance coverage estimates specifically for the under 65 age group, we aggregated the data from more granular age breakdowns.
To ensure each aggregate estimate’s sampling error could be assessed using the definition above, we derived a margin of error for each aggregate estimate using the successive differences replication variance estimation methodology recommended and used by the U.S. Census Bureau.
The remaining 19,556 places were ranked based on their under 65 uninsured rates. To break ties, we used the number of insured people in the same population group.
The share of the population covered by each type of insurance — Medicare, Medicaid, VA, employer, direct-purchase, and Tricare/military — are for the same cohort and are also aggregated from five-year ACS estimates. The estimates reflect people who are covered by that type of insurance alone or in combination with other types on the list. So, when a person is covered by more than one type of insurance, they are included in each group.