Special Report

25 Cities Where Health Insurance Coverage Is Soaring

Doctor Explaining Consent Form To Senior Patient
Thinkstock
Since the Affordable Care Act was enacted in 2010, millions of Americans have gained health insurance coverage. The national uninsured rate declined from 16.3% in 2010 to 9.1% in 2015 — the first time in U.S. history more than 90% of Americans have had health insurance.

The vast majority of U.S. metropolitan areas reported an increase in health insurance coverage between 2011 and last year. In some cities, however, the share of residents with health insurance has grown faster than in others. To determine the cities where health insurance coverage is soaring, 24/7 Wall St. reviewed data from the U.S. Census Bureau over the five-year period through 2015.

All 25 cities had health insurance coverage rates lower than the national coverage rate in 2011. Over the five-year period, these cities’ coverage rates increased by at least 10 percentage points, outpacing the national coverage improvement of 5.7 percentage points. The largest increase was in the Wenatchee, Washington area, where the health insurance coverage rate increased from 78.2% in 2011 to 92.4% in 2015, a 14.2 percentage point increase.

Click here to see the 25 cities where health insurance coverage is soaring.

The Affordable Care Act was likely the leading cause of the increase in health insurance coverage. Under the ACA states could expand Medicaid to more low-income Americans. In states that accepted this provision, persons under 65 years who earn incomes up to 138% of the federal poverty level can qualify for Medicaid.

However, 19 states chose not to accept the federal funding and opted out of the Medicaid provision. Cities in these states tend to have lower health insurance coverage than cities in other states. Further, the areas where health insurance coverage improved slowly or not at all between 2011 and 2015 tended to be in the states that chose not to adopt the Medicaid expansion. Of the 25 cities with the largest increases in health insurance coverage, 22 are in states that expanded Medicaid under the ACA.

Because Medicaid expansion disproportionately helps areas with poorer populations, most of the cities with the largest increases in health insurance coverage remain among the poorer metro areas in the nation.

To determine the cities where health insurance coverage is increasing the most, 24/7 Wall St. reviewed the percentage point change between 2011 and 2015 in health insurance coverage rates in each U.S. metro area. Data for metropolitan statistical areas, including uninsured rates and poverty rates came from the U.S. Census Bureau’s 2011 and 2015 American Community Surveys. National uninsured rates came from the Census Bureau’s Current Population Survey. The total number of people added to the insured population between 2011 and 2015 of each metro area was calculated by taking the difference between the number of uninsured residents in 2011 and 2015, which were rounded to the nearest thousand.

These are the 25 cities where health insurance coverage is soaring.

San Luis Obispo-Paso Robles-Arroyo Grande, CA
Wikimedia Commons

25. San Luis Obispo-Paso Robles-Arroyo Grande, CA
> Insured rate chg. 2011-2015: +10.0
> Pct. with health insurance 2011: 83.6%
> Pct. with health insurance 2015: 93.6%
> Growth of insured pop.: +26,000

Laredo, Texas
Wikimedia Commons

24. Laredo, TX
> Insured rate chg. 2011-2015: +10.1
> Pct. with health insurance 2011: 63.7%
> Pct. with health insurance 2015: 73.8%
> Growth of insured pop.: +22,000

Santa Fe, New Mexico
Thinkstock

23. Santa Fe, NM
> Insured rate chg. 2011-2015: +10.1
> Pct. with health insurance 2011: 78.5%
> Pct. with health insurance 2015: 88.6%
> Growth of insured pop.: +14,000

Madera, California
Wikimedia Commons

22. Madera, CA
> Insured rate chg. 2011-2015: +10.1
> Pct. with health insurance 2011: 78.4%
> Pct. with health insurance 2015: 88.5%
> Growth of insured pop.: +14,000

Kennewick, Washington
Thinkstock

21. Kennewick-Richland, WA
> Insured rate chg. 2011-2015: +10.1
> Pct. with health insurance 2011: 81.4%
> Pct. with health insurance 2015: 91.5%
> Growth of insured pop.: +25,000

Napa, California
Thinkstock

20. Napa, CA
> Insured rate chg. 2011-2015: +10.1
> Pct. with health insurance 2011: 84.2%
> Pct. with health insurance 2015: 94.3%
> Growth of insured pop.: +14,000

Oregon State Capitol, Salem
Thinkstock

19. Salem, OR
> Insured rate chg. 2011-2015: +10.2
> Pct. with health insurance 2011: 83.1%
> Pct. with health insurance 2015: 93.3%
> Growth of insured pop.: +39,000

Las Cruces, New Mexico
Thinkstock

18. Las Cruces, NM
> Insured rate chg. 2011-2015: +10.2
> Pct. with health insurance 2011: 79.2%
> Pct. with health insurance 2015: 89.4%
> Growth of insured pop.: +21,000

Monroe, Louisiana
Wikimedia Commons

17. Monroe, LA
> Insured rate chg. 2011-2015: +10.6
> Pct. with health insurance 2011: 76.6%
> Pct. with health insurance 2015: 87.2%
> Growth of insured pop.: +18,000

San Bernardino, California
Thinkstock

16. Riverside-San Bernardino-Ontario, CA
> Insured rate chg. 2011-2015: +11.0
> Pct. with health insurance 2011: 79.6%
> Pct. with health insurance 2015: 90.6%
> Growth of insured pop.: +451,000

Fresno, California night
Wikimedia Commons

15. Fresno, CA
> Insured rate chg. 2011-2015: +11.0
> Pct. with health insurance 2011: 79.3%
> Pct. with health insurance 2015: 90.3%
> Growth of insured pop.: +99,000

Brunswick, Georgia
Thinkstock

14. Brunswick, GA
> Insured rate chg. 2011-2015: +11.1
> Pct. with health insurance 2011: 73.7%
> Pct. with health insurance 2015: 84.8%
> Growth of insured pop.: +11,000

El Centro, California
Wikimedia Commons

13. El Centro, CA
> Insured rate chg. 2011-2015: +11.2
> Pct. with health insurance 2011: 78.9%
> Pct. with health insurance 2015: 90.1%
> Growth of insured pop.: +18,000

Salinas, California
Thinkstock

12. Salinas, CA
> Insured rate chg. 2011-2015: +11.5
> Pct. with health insurance 2011: 77.8%
> Pct. with health insurance 2015: 89.3%
> Growth of insured pop.: +44,000

Merced, California
Wikimedia Commons

11. Merced, CA
> Insured rate chg. 2011-2015: +11.8
> Pct. with health insurance 2011: 79.3%
> Pct. with health insurance 2015: 91.1%
> Growth of insured pop.: +30,000

Chico, California
Wikimedia Commons

10. Chico, CA
> Insured rate chg. 2011-2015: +11.9
> Pct. with health insurance 2011: 81.3%
> Pct. with health insurance 2015: 93.2%
> Growth of insured pop.: +26,000

bakersfield heat
Wikimedia Commons

9. Bakersfield, CA
> Insured rate chg. 2011-2015: +12.0
> Pct. with health insurance 2011: 79.5%
> Pct. with health insurance 2015: 91.5%
> Growth of insured pop.: +96,000

Modesto, California
Wikimedia Commons

8. Modesto, CA
> Insured rate chg. 2011-2015: +12.1
> Pct. with health insurance 2011: 81.4%
> Pct. with health insurance 2015: 93.5%
> Growth of insured pop.: +61,000

Hanford, California
Wikimedia Commons

7. Hanford-Corcoran, CA
> Insured rate chg. 2011-2015: +12.3
> Pct. with health insurance 2011: 80.7%
> Pct. with health insurance 2015: 93.0%
> Growth of insured pop.: +16,000

Farmington, New Mexico
Thinkstock

6. Farmington, NM
> Insured rate chg. 2011-2015: +12.3
> Pct. with health insurance 2011: 72.7%
> Pct. with health insurance 2015: 85.0%
> Growth of insured pop.: +17,000

Medford, OR
Wikimedia Commons

5. Medford, OR
> Insured rate chg. 2011-2015: +13.0
> Pct. with health insurance 2011: 79.6%
> Pct. with health insurance 2015: 92.6%
> Growth of insured pop.: +26,000

porterville-california
Wikimedia Commons

4. Visalia-Porterville, CA
> Insured rate chg. 2011-2015: +13.2
> Pct. with health insurance 2011: 77.0%
> Pct. with health insurance 2015: 90.2%
> Growth of insured pop.: +58,000

Reno, Nevada
Thinkstock

3. Reno, NV
> Insured rate chg. 2011-2015: +13.2
> Pct. with health insurance 2011: 77.6%
> Pct. with health insurance 2015: 90.8%
> Growth of insured pop.: +54,000

Myrtle Beach South Carolina
Thinkstock

2. Myrtle Beach-Conway-North Myrtle Beach, SC-NC
> Insured rate chg. 2011-2015: +13.2
> Pct. with health insurance 2011: 73.9%
> Pct. with health insurance 2015: 87.1%
> Growth of insured pop.: +16,000

Wenatchee, Washington
Wikimedia Commons

1. Wenatchee, WA
> Insured rate chg. 2011-2015: +14.2
> Pct. with health insurance 2011: 78.2%
> Pct. with health insurance 2015: 92.4%
> Growth of insured pop.: +16,000

Get Ready To Retire (Sponsored)

Start by taking a quick retirement quiz from SmartAsset that will match you with up to 3 financial advisors that serve your area and beyond in 5 minutes, or less.

Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests.

Here’s how it works:
1. Answer SmartAsset advisor match quiz
2. Review your pre-screened matches at your leisure. Check out the advisors’ profiles.
3. Speak with advisors at no cost to you. Have an introductory call on the phone or introduction in person and choose whom to work with in the future

Get started right here.

Thank you for reading! Have some feedback for us?
Contact the 24/7 Wall St. editorial team.