Special Report
The Zip Code With the Best Health Insurance Coverage in Every State
Published:
The United States is the only industrialized country in the world without universal health care. As a result, most Americans under age 65 receive employer-based health insurance coverage. Under this system, an estimated 28.9 million Americans under 65 were uninsured in 2019 — before the COVID-19 pandemic put over 22 million Americans out of work.
While most of those jobs have since been restored, the official uninsured rate for Americans under 65 in 2020 will likely be higher than the 10.3% rate in 2019 — a continuation of the three-year trend of declining insurance coverage that began in 2017. Still, there are parts of the country where nearly every American under 65 is insured, either through their employer, Medicaid, or directly-purchased coverage.
Using data from the U.S. Census Bureau, 24/7 Wall St. identified the ZIP code in every state with the best health insurance coverage.
The highest uninsured rate among the places on this list is just 5.2% — about half the comparable national rate. In many ZIP codes on this list, the uninsured rate is effectively zero.
Click here to see the zip code with the best health insurance coverage in every state
Click here to read our detailed methodology
Alabama: 35223
> Location: Mountain Brook, Alabama
> Americans under 65, no health insurance: 1.8% (Alabama: 11.3%)
> Americans under 65, Medicare coverage (or multiple types): 0.7% (Alabama: 4.9%)
> Americans under 65, Medicaid coverage (or multiple types): 2.4% (Alabama: 20.9%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (Alabama: 1.7%)
> Americans under 65, employer-based insurance (or multiple types): 84.7% (Alabama: 57.8%)
> Americans under 65, direct-purchase insurance (or multiple types): 12.9% (Alabama: 10.5%)
> Americans under 65, Tricare/military insurance (or many types): 0.8% (Alabama: 3.3%)
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Alaska: 99703
> Location: Fairbanks, Alaska
> Americans under 65, no health insurance: 2.0% (Alaska: 15.3%)
> Americans under 65, Medicare coverage (or multiple types): 0.1% (Alaska: 1.9%)
> Americans under 65, Medicaid coverage (or multiple types): 4.0% (Alaska: 21.1%)
> Americans under 65, VA coverage (or multiple types): 1.9% (Alaska: 3.0%)
> Americans under 65, employer-based insurance (or multiple types): 12.8% (Alaska: 54.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 2.5% (Alaska: 6.9%)
> Americans under 65, Tricare/military insurance (or many types): 92.9% (Alaska: 9.6%)
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Arizona: 85755
> Location: Oro Valley, Arizona
> Americans under 65, no health insurance: 1.1% (Arizona: 12.4%)
> Americans under 65, Medicare coverage (or multiple types): 0.7% (Arizona: 2.6%)
> Americans under 65, Medicaid coverage (or multiple types): 4.3% (Arizona: 24.1%)
> Americans under 65, VA coverage (or multiple types): 0.7% (Arizona: 1.5%)
> Americans under 65, employer-based insurance (or multiple types): 85.2% (Arizona: 55.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 11.1% (Arizona: 9.7%)
> Americans under 65, Tricare/military insurance (or many types): 2.0% (Arizona: 2.4%)
Arkansas: 72227
> Location: Little Rock, Arkansas
> Americans under 65, no health insurance: 3.0% (Arkansas: 10.1%)
> Americans under 65, Medicare coverage (or multiple types): 3.0% (Arkansas: 5.1%)
> Americans under 65, Medicaid coverage (or multiple types): 13.3% (Arkansas: 28.6%)
> Americans under 65, VA coverage (or multiple types): 0.5% (Arkansas: 1.8%)
> Americans under 65, employer-based insurance (or multiple types): 73.9% (Arkansas: 51.8%)
> Americans under 65, direct-purchase insurance (or multiple types): 13.5% (Arkansas: 10.2%)
> Americans under 65, Tricare/military insurance (or many types): 2.9% (Arkansas: 2.3%)
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California: 94595
> Location: Walnut Creek, California
> Americans under 65, no health insurance: 0.8% (California: 8.6%)
> Americans under 65, Medicare coverage (or multiple types): 2.3% (California: 2.2%)
> Americans under 65, Medicaid coverage (or multiple types): 7.5% (California: 27.1%)
> Americans under 65, VA coverage (or multiple types): 0.5% (California: 0.9%)
> Americans under 65, employer-based insurance (or multiple types): 77.4% (California: 55.7%)
> Americans under 65, direct-purchase insurance (or multiple types): 16.2% (California: 10.9%)
> Americans under 65, Tricare/military insurance (or many types): 0.6% (California: 1.4%)
Colorado: 80310
> Location: Boulder, Colorado
> Americans under 65, no health insurance: 0.6% (Colorado: 8.7%)
> Americans under 65, Medicare coverage (or multiple types): 0.1% (Colorado: 2.1%)
> Americans under 65, Medicaid coverage (or multiple types): 2.9% (Colorado: 19.8%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (Colorado: 1.5%)
> Americans under 65, employer-based insurance (or multiple types): 73.6% (Colorado: 60.5%)
> Americans under 65, direct-purchase insurance (or multiple types): 22.3% (Colorado: 11.4%)
> Americans under 65, Tricare/military insurance (or many types): 2.3% (Colorado: 3.5%)
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Connecticut: 06060
> Location: North Granby, Connecticut
> Americans under 65, no health insurance: 0.0% reported (Connecticut: 6.3%)
> Americans under 65, Medicare coverage (or multiple types): 0.0% reported (Connecticut: 2.4%)
> Americans under 65, Medicaid coverage (or multiple types): 5.0% (Connecticut: 21.6%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (Connecticut: 0.7%)
> Americans under 65, employer-based insurance (or multiple types): 82.3% (Connecticut: 65.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 14.9% (Connecticut: 9.4%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Connecticut: 1.0%)
Delaware: 19717
> Location: Newark, Delaware
> Americans under 65, no health insurance: 1.4% (Delaware: 6.8%)
> Americans under 65, Medicare coverage (or multiple types): 0.1% (Delaware: 3.3%)
> Americans under 65, Medicaid coverage (or multiple types): 3.6% (Delaware: 22.5%)
> Americans under 65, VA coverage (or multiple types): 0.1% (Delaware: 1.0%)
> Americans under 65, employer-based insurance (or multiple types): 65.5% (Delaware: 64.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 36.3% (Delaware: 8.6%)
> Americans under 65, Tricare/military insurance (or many types): 3.9% (Delaware: 2.6%)
Florida: 32227
> Location: Jacksonville, Florida
> Americans under 65, no health insurance: 0.0% reported (Florida: 15.7%)
> Americans under 65, Medicare coverage (or multiple types): 0.0% reported (Florida: 3.1%)
> Americans under 65, Medicaid coverage (or multiple types): 2.2% (Florida: 19.2%)
> Americans under 65, VA coverage (or multiple types): 0.2% (Florida: 1.6%)
> Americans under 65, employer-based insurance (or multiple types): 16.7% (Florida: 50.6%)
> Americans under 65, direct-purchase insurance (or multiple types): 2.3% (Florida: 14.5%)
> Americans under 65, Tricare/military insurance (or many types): 91.3% (Florida: 2.7%)
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Georgia: 30327
> Location: Atlanta, Georgia
> Americans under 65, no health insurance: 1.4% (Georgia: 15.2%)
> Americans under 65, Medicare coverage (or multiple types): 1.1% (Georgia: 3.0%)
> Americans under 65, Medicaid coverage (or multiple types): 1.8% (Georgia: 17.9%)
> Americans under 65, VA coverage (or multiple types): 0.4% (Georgia: 1.5%)
> Americans under 65, employer-based insurance (or multiple types): 85.2% (Georgia: 56.9%)
> Americans under 65, direct-purchase insurance (or multiple types): 13.2% (Georgia: 10.2%)
> Americans under 65, Tricare/military insurance (or many types): 0.6% (Georgia: 3.4%)
Hawaii: 96705
> Location: Eleele, Hawaii
> Americans under 65, no health insurance: 1.5% (Hawaii: 4.6%)
> Americans under 65, Medicare coverage (or multiple types): 1.7% (Hawaii: 1.8%)
> Americans under 65, Medicaid coverage (or multiple types): 22.8% (Hawaii: 19.0%)
> Americans under 65, VA coverage (or multiple types): 0.2% (Hawaii: 1.5%)
> Americans under 65, employer-based insurance (or multiple types): 75.0% (Hawaii: 66.3%)
> Americans under 65, direct-purchase insurance (or multiple types): 1.2% (Hawaii: 9.5%)
> Americans under 65, Tricare/military insurance (or many types): 2.0% (Hawaii: 8.8%)
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Idaho: 83648
> Location: Mountain Home, Idaho
> Americans under 65, no health insurance: 2.3% (Idaho: 12.4%)
> Americans under 65, Medicare coverage (or multiple types): 0.0% reported (Idaho: 2.8%)
> Americans under 65, Medicaid coverage (or multiple types): 0.9% (Idaho: 18.2%)
> Americans under 65, VA coverage (or multiple types): 2.1% (Idaho: 1.6%)
> Americans under 65, employer-based insurance (or multiple types): 29.9% (Idaho: 57.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 9.2% (Idaho: 13.8%)
> Americans under 65, Tricare/military insurance (or many types): 91.0% (Idaho: 2.5%)
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Iowa: 52345
> Location: Urbana, Iowa
> Americans under 65, no health insurance: 0.0% reported (Iowa: 5.5%)
> Americans under 65, Medicare coverage (or multiple types): 3.1% (Iowa: 2.5%)
> Americans under 65, Medicaid coverage (or multiple types): 7.3% (Iowa: 20.4%)
> Americans under 65, VA coverage (or multiple types): 2.0% (Iowa: 1.1%)
> Americans under 65, employer-based insurance (or multiple types): 86.6% (Iowa: 67.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 6.7% (Iowa: 10.6%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Iowa: 1.3%)
Kansas: 66226
> Location: Shawnee, Kansas
> Americans under 65, no health insurance: 1.0% (Kansas: 10.3%)
> Americans under 65, Medicare coverage (or multiple types): 0.6% (Kansas: 2.7%)
> Americans under 65, Medicaid coverage (or multiple types): 1.1% (Kansas: 14.5%)
> Americans under 65, VA coverage (or multiple types): 0.5% (Kansas: 1.4%)
> Americans under 65, employer-based insurance (or multiple types): 87.0% (Kansas: 65.2%)
> Americans under 65, direct-purchase insurance (or multiple types): 14.1% (Kansas: 11.4%)
> Americans under 65, Tricare/military insurance (or many types): 2.4% (Kansas: 3.4%)
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Kentucky: 42413
> Location: Hanson, Kentucky
> Americans under 65, no health insurance: 1.1% (Kentucky: 6.7%)
> Americans under 65, Medicare coverage (or multiple types): 4.0% (Kentucky: 5.0%)
> Americans under 65, Medicaid coverage (or multiple types): 15.4% (Kentucky: 28.5%)
> Americans under 65, VA coverage (or multiple types): 1.7% (Kentucky: 1.5%)
> Americans under 65, employer-based insurance (or multiple types): 70.9% (Kentucky: 57.3%)
> Americans under 65, direct-purchase insurance (or multiple types): 12.5% (Kentucky: 8.2%)
> Americans under 65, Tricare/military insurance (or many types): 1.8% (Kentucky: 2.3%)
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Louisiana: 71459
> Location: Fort Polk South, Louisiana
> Americans under 65, no health insurance: 1.0% (Louisiana: 11.0%)
> Americans under 65, Medicare coverage (or multiple types): 0.1% (Louisiana: 4.0%)
> Americans under 65, Medicaid coverage (or multiple types): 5.4% (Louisiana: 28.4%)
> Americans under 65, VA coverage (or multiple types): 1.8% (Louisiana: 1.3%)
> Americans under 65, employer-based insurance (or multiple types): 18.6% (Louisiana: 52.3%)
> Americans under 65, direct-purchase insurance (or multiple types): 1.3% (Louisiana: 9.6%)
> Americans under 65, Tricare/military insurance (or many types): 89.2% (Louisiana: 2.2%)
Maine: 03908
> Location: South Berwick, Maine
> Americans under 65, no health insurance: 1.6% (Maine: 9.8%)
> Americans under 65, Medicare coverage (or multiple types): 2.3% (Maine: 4.5%)
> Americans under 65, Medicaid coverage (or multiple types): 5.7% (Maine: 19.3%)
> Americans under 65, VA coverage (or multiple types): 0.9% (Maine: 1.8%)
> Americans under 65, employer-based insurance (or multiple types): 84.5% (Maine: 61.5%)
> Americans under 65, direct-purchase insurance (or multiple types): 10.0% (Maine: 11.0%)
> Americans under 65, Tricare/military insurance (or many types): 5.4% (Maine: 2.3%)
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Maryland: 20762
> Location: Andrews, Maryland
> Americans under 65, no health insurance: 0.0% reported (Maryland: 6.9%)
> Americans under 65, Medicare coverage (or multiple types): 0.8% (Maryland: 2.6%)
> Americans under 65, Medicaid coverage (or multiple types): 11.8% (Maryland: 19.1%)
> Americans under 65, VA coverage (or multiple types): 1.7% (Maryland: 1.2%)
> Americans under 65, employer-based insurance (or multiple types): 16.4% (Maryland: 65.7%)
> Americans under 65, direct-purchase insurance (or multiple types): 2.3% (Maryland: 9.6%)
> Americans under 65, Tricare/military insurance (or many types): 85.5% (Maryland: 3.1%)
Massachusetts: 01834
> Location: Groveland, Massachusetts
> Americans under 65, no health insurance: 0.0% reported (Massachusetts: 3.2%)
> Americans under 65, Medicare coverage (or multiple types): 2.2% (Massachusetts: 2.5%)
> Americans under 65, Medicaid coverage (or multiple types): 11.5% (Massachusetts: 24.0%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (Massachusetts: 0.6%)
> Americans under 65, employer-based insurance (or multiple types): 86.8% (Massachusetts: 67.5%)
> Americans under 65, direct-purchase insurance (or multiple types): 5.7% (Massachusetts: 9.9%)
> Americans under 65, Tricare/military insurance (or many types): 0.4% (Massachusetts: 0.8%)
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Michigan: 48164
> Location: New Boston, Michigan
> Americans under 65, no health insurance: 1.0% (Michigan: 6.5%)
> Americans under 65, Medicare coverage (or multiple types): 3.1% (Michigan: 3.7%)
> Americans under 65, Medicaid coverage (or multiple types): 10.8% (Michigan: 24.2%)
> Americans under 65, VA coverage (or multiple types): 1.0% (Michigan: 1.0%)
> Americans under 65, employer-based insurance (or multiple types): 81.7% (Michigan: 63.3%)
> Americans under 65, direct-purchase insurance (or multiple types): 7.8% (Michigan: 9.1%)
> Americans under 65, Tricare/military insurance (or many types): 1.7% (Michigan: 0.9%)
Minnesota: 56368
> Location: Richmond, Minnesota
> Americans under 65, no health insurance: 1.1% (Minnesota: 5.2%)
> Americans under 65, Medicare coverage (or multiple types): 3.0% (Minnesota: 2.1%)
> Americans under 65, Medicaid coverage (or multiple types): 16.0% (Minnesota: 19.4%)
> Americans under 65, VA coverage (or multiple types): 1.7% (Minnesota: 1.0%)
> Americans under 65, employer-based insurance (or multiple types): 74.0% (Minnesota: 68.6%)
> Americans under 65, direct-purchase insurance (or multiple types): 13.3% (Minnesota: 9.9%)
> Americans under 65, Tricare/military insurance (or many types): 1.6% (Minnesota: 1.0%)
Mississippi: 38672
> Location: Southaven, Mississippi
> Americans under 65, no health insurance: 2.6% (Mississippi: 14.5%)
> Americans under 65, Medicare coverage (or multiple types): 2.0% (Mississippi: 4.7%)
> Americans under 65, Medicaid coverage (or multiple types): 5.4% (Mississippi: 25.1%)
> Americans under 65, VA coverage (or multiple types): 2.2% (Mississippi: 1.4%)
> Americans under 65, employer-based insurance (or multiple types): 78.8% (Mississippi: 51.2%)
> Americans under 65, direct-purchase insurance (or multiple types): 12.9% (Mississippi: 9.5%)
> Americans under 65, Tricare/military insurance (or many types): 4.8% (Mississippi: 3.0%)
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Missouri: 63040
> Location: Wildwood, Missouri
> Americans under 65, no health insurance: 1.1% (Missouri: 11.1%)
> Americans under 65, Medicare coverage (or multiple types): 0.6% (Missouri: 3.8%)
> Americans under 65, Medicaid coverage (or multiple types): 1.4% (Missouri: 15.8%)
> Americans under 65, VA coverage (or multiple types): 0.6% (Missouri: 1.4%)
> Americans under 65, employer-based insurance (or multiple types): 89.5% (Missouri: 62.9%)
> Americans under 65, direct-purchase insurance (or multiple types): 9.4% (Missouri: 10.5%)
> Americans under 65, Tricare/military insurance (or many types): 2.0% (Missouri: 2.0%)
Montana: 59063
> Location: Park City, Montana
> Americans under 65, no health insurance: 2.7% (Montana: 10.9%)
> Americans under 65, Medicare coverage (or multiple types): 3.1% (Montana: 3.0%)
> Americans under 65, Medicaid coverage (or multiple types): 16.1% (Montana: 21.4%)
> Americans under 65, VA coverage (or multiple types): 0.7% (Montana: 2.1%)
> Americans under 65, employer-based insurance (or multiple types): 73.1% (Montana: 54.9%)
> Americans under 65, direct-purchase insurance (or multiple types): 13.9% (Montana: 13.9%)
> Americans under 65, Tricare/military insurance (or many types): 2.9% (Montana: 3.0%)
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Nebraska: 68372
> Location: Hickman, Nebraska
> Americans under 65, no health insurance: 1.1% (Nebraska: 9.5%)
> Americans under 65, Medicare coverage (or multiple types): 0.5% (Nebraska: 2.2%)
> Americans under 65, Medicaid coverage (or multiple types): 3.2% (Nebraska: 13.4%)
> Americans under 65, VA coverage (or multiple types): 1.1% (Nebraska: 1.4%)
> Americans under 65, employer-based insurance (or multiple types): 79.8% (Nebraska: 66.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 17.5% (Nebraska: 12.9%)
> Americans under 65, Tricare/military insurance (or many types): 3.7% (Nebraska: 2.7%)
Nevada: 89021
> Location: Moapa Valley, Nevada
> Americans under 65, no health insurance: 1.4% (Nevada: 12.9%)
> Americans under 65, Medicare coverage (or multiple types): 2.8% (Nevada: 2.5%)
> Americans under 65, Medicaid coverage (or multiple types): 3.7% (Nevada: 20.0%)
> Americans under 65, VA coverage (or multiple types): 2.4% (Nevada: 1.7%)
> Americans under 65, employer-based insurance (or multiple types): 82.9% (Nevada: 58.7%)
> Americans under 65, direct-purchase insurance (or multiple types): 15.0% (Nevada: 9.1%)
> Americans under 65, Tricare/military insurance (or many types): 0.3% (Nevada: 2.7%)
New Hampshire: 03811
> Location: Atkinson, New Hampshire
> Americans under 65, no health insurance: 1.0% (New Hampshire: 7.1%)
> Americans under 65, Medicare coverage (or multiple types): 0.7% (New Hampshire: 3.2%)
> Americans under 65, Medicaid coverage (or multiple types): 2.8% (New Hampshire: 14.6%)
> Americans under 65, VA coverage (or multiple types): 0.8% (New Hampshire: 1.3%)
> Americans under 65, employer-based insurance (or multiple types): 88.5% (New Hampshire: 69.8%)
> Americans under 65, direct-purchase insurance (or multiple types): 5.5% (New Hampshire: 9.3%)
> Americans under 65, Tricare/military insurance (or many types): 2.0% (New Hampshire: 1.5%)
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New Jersey: 08056
> Location: Mickleton, New Jersey
> Americans under 65, no health insurance: 0.0% reported (New Jersey: 9.0%)
> Americans under 65, Medicare coverage (or multiple types): 1.8% (New Jersey: 2.4%)
> Americans under 65, Medicaid coverage (or multiple types): 4.0% (New Jersey: 17.7%)
> Americans under 65, VA coverage (or multiple types): 0.4% (New Jersey: 0.4%)
> Americans under 65, employer-based insurance (or multiple types): 87.5% (New Jersey: 66.5%)
> Americans under 65, direct-purchase insurance (or multiple types): 8.9% (New Jersey: 8.9%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (New Jersey: 0.7%)
New Mexico: 87122
> Location: Albuquerque, New Mexico
> Americans under 65, no health insurance: 1.2% (New Mexico: 11.4%)
> Americans under 65, Medicare coverage (or multiple types): 1.0% (New Mexico: 3.6%)
> Americans under 65, Medicaid coverage (or multiple types): 6.7% (New Mexico: 35.6%)
> Americans under 65, VA coverage (or multiple types): 0.9% (New Mexico: 1.7%)
> Americans under 65, employer-based insurance (or multiple types): 76.0% (New Mexico: 46.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 14.8% (New Mexico: 8.0%)
> Americans under 65, Tricare/military insurance (or many types): 4.5% (New Mexico: 3.3%)
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New York: 12918
> Location: Dannemora, New York
> Americans under 65, no health insurance: 0.0% reported (New York: 6.7%)
> Americans under 65, Medicare coverage (or multiple types): 2.6% (New York: 2.8%)
> Americans under 65, Medicaid coverage (or multiple types): 15.6% (New York: 26.9%)
> Americans under 65, VA coverage (or multiple types): 0.9% (New York: 0.6%)
> Americans under 65, employer-based insurance (or multiple types): 79.1% (New York: 59.7%)
> Americans under 65, direct-purchase insurance (or multiple types): 6.3% (New York: 10.8%)
> Americans under 65, Tricare/military insurance (or many types): 1.5% (New York: 0.7%)
North Carolina: 28307
> Location: Fayetteville, North Carolina
> Americans under 65, no health insurance: 2.0% (North Carolina: 12.6%)
> Americans under 65, Medicare coverage (or multiple types): 0.0% reported (North Carolina: 3.5%)
> Americans under 65, Medicaid coverage (or multiple types): 4.4% (North Carolina: 19.4%)
> Americans under 65, VA coverage (or multiple types): 1.0% (North Carolina: 1.7%)
> Americans under 65, employer-based insurance (or multiple types): 9.8% (North Carolina: 55.9%)
> Americans under 65, direct-purchase insurance (or multiple types): 1.6% (North Carolina: 11.7%)
> Americans under 65, Tricare/military insurance (or many types): 91.1% (North Carolina: 3.8%)
North Dakota: 58204
> Location: Grand Forks, North Dakota
> Americans under 65, no health insurance: 0.9% (North Dakota: 8.5%)
> Americans under 65, Medicare coverage (or multiple types): 0.4% (North Dakota: 2.1%)
> Americans under 65, Medicaid coverage (or multiple types): 1.9% (North Dakota: 11.4%)
> Americans under 65, VA coverage (or multiple types): 1.7% (North Dakota: 1.4%)
> Americans under 65, employer-based insurance (or multiple types): 46.3% (North Dakota: 67.6%)
> Americans under 65, direct-purchase insurance (or multiple types): 1.5% (North Dakota: 14.3%)
> Americans under 65, Tricare/military insurance (or many types): 86.0% (North Dakota: 3.4%)
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Ohio: 45772
> Location: Tuppers Plains, Ohio
> Americans under 65, no health insurance: 0.0% reported (Ohio: 7.2%)
> Americans under 65, Medicare coverage (or multiple types): 6.3% (Ohio: 3.3%)
> Americans under 65, Medicaid coverage (or multiple types): 43.2% (Ohio: 22.8%)
> Americans under 65, VA coverage (or multiple types): 3.3% (Ohio: 1.2%)
> Americans under 65, employer-based insurance (or multiple types): 54.8% (Ohio: 64.0%)
> Americans under 65, direct-purchase insurance (or multiple types): 4.4% (Ohio: 7.8%)
> Americans under 65, Tricare/military insurance (or many types): 2.1% (Ohio: 1.2%)
Oklahoma: 73503
> Location: Lawton, Oklahoma
> Americans under 65, no health insurance: 0.9% (Oklahoma: 16.5%)
> Americans under 65, Medicare coverage (or multiple types): 0.9% (Oklahoma: 3.9%)
> Americans under 65, Medicaid coverage (or multiple types): 4.2% (Oklahoma: 18.8%)
> Americans under 65, VA coverage (or multiple types): 0.7% (Oklahoma: 1.8%)
> Americans under 65, employer-based insurance (or multiple types): 15.9% (Oklahoma: 54.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 4.1% (Oklahoma: 9.9%)
> Americans under 65, Tricare/military insurance (or many types): 93.9% (Oklahoma: 3.1%)
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Oregon: 97738
> Location: Hines, Oregon
> Americans under 65, no health insurance: 1.0% (Oregon: 8.0%)
> Americans under 65, Medicare coverage (or multiple types): 1.8% (Oregon: 2.8%)
> Americans under 65, Medicaid coverage (or multiple types): 32.8% (Oregon: 24.7%)
> Americans under 65, VA coverage (or multiple types): 3.1% (Oregon: 1.6%)
> Americans under 65, employer-based insurance (or multiple types): 64.5% (Oregon: 59.2%)
> Americans under 65, direct-purchase insurance (or multiple types): 9.9% (Oregon: 11.0%)
> Americans under 65, Tricare/military insurance (or many types): 1.3% (Oregon: 1.4%)
Pennsylvania: 18954
> Location: Richboro, Pennsylvania
> Americans under 65, no health insurance: 0.4% (Pennsylvania: 6.8%)
> Americans under 65, Medicare coverage (or multiple types): 1.7% (Pennsylvania: 3.2%)
> Americans under 65, Medicaid coverage (or multiple types): 4.4% (Pennsylvania: 21.1%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (Pennsylvania: 1.0%)
> Americans under 65, employer-based insurance (or multiple types): 85.2% (Pennsylvania: 65.2%)
> Americans under 65, direct-purchase insurance (or multiple types): 11.3% (Pennsylvania: 10.2%)
> Americans under 65, Tricare/military insurance (or many types): 0.8% (Pennsylvania: 1.0%)
Rhode Island: 02808
> Location: Bradford, Rhode Island
> Americans under 65, no health insurance: 0.0% reported (Rhode Island: 5.3%)
> Americans under 65, Medicare coverage (or multiple types): 1.4% (Rhode Island: 3.4%)
> Americans under 65, Medicaid coverage (or multiple types): 13.1% (Rhode Island: 23.2%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (Rhode Island: 1.0%)
> Americans under 65, employer-based insurance (or multiple types): 81.0% (Rhode Island: 64.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 6.4% (Rhode Island: 10.8%)
> Americans under 65, Tricare/military insurance (or many types): 0.5% (Rhode Island: 1.4%)
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South Carolina: 29634
> Location: Clemson, South Carolina
> Americans under 65, no health insurance: 1.8% (South Carolina: 12.6%)
> Americans under 65, Medicare coverage (or multiple types): 0.0% reported (South Carolina: 3.8%)
> Americans under 65, Medicaid coverage (or multiple types): 1.7% (South Carolina: 20.7%)
> Americans under 65, VA coverage (or multiple types): 0.8% (South Carolina: 1.8%)
> Americans under 65, employer-based insurance (or multiple types): 77.4% (South Carolina: 56.5%)
> Americans under 65, direct-purchase insurance (or multiple types): 15.1% (South Carolina: 10.4%)
> Americans under 65, Tricare/military insurance (or many types): 4.0% (South Carolina: 3.7%)
South Dakota: 57311
> Location: Alexandria, South Dakota
> Americans under 65, no health insurance: 1.6% (South Dakota: 11.2%)
> Americans under 65, Medicare coverage (or multiple types): 2.1% (South Dakota: 2.7%)
> Americans under 65, Medicaid coverage (or multiple types): 10.0% (South Dakota: 15.3%)
> Americans under 65, VA coverage (or multiple types): 1.3% (South Dakota: 1.9%)
> Americans under 65, employer-based insurance (or multiple types): 75.1% (South Dakota: 61.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 19.1% (South Dakota: 13.7%)
> Americans under 65, Tricare/military insurance (or many types): 3.5% (South Dakota: 3.4%)
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Tennessee: 37350
> Location: Lookout Mountain, Tennessee
> Americans under 65, no health insurance: 1.6% (Tennessee: 11.4%)
> Americans under 65, Medicare coverage (or multiple types): 2.1% (Tennessee: 3.8%)
> Americans under 65, Medicaid coverage (or multiple types): 1.8% (Tennessee: 21.6%)
> Americans under 65, VA coverage (or multiple types): 0.9% (Tennessee: 1.6%)
> Americans under 65, employer-based insurance (or multiple types): 81.8% (Tennessee: 57.8%)
> Americans under 65, direct-purchase insurance (or multiple types): 16.6% (Tennessee: 10.1%)
> Americans under 65, Tricare/military insurance (or many types): 0.7% (Tennessee: 2.7%)
Texas: 78730
> Location: Austin, Texas
> Americans under 65, no health insurance: 0.8% (Texas: 19.4%)
> Americans under 65, Medicare coverage (or multiple types): 0.0% reported (Texas: 2.2%)
> Americans under 65, Medicaid coverage (or multiple types): 3.4% (Texas: 17.2%)
> Americans under 65, VA coverage (or multiple types): 0.4% (Texas: 1.3%)
> Americans under 65, employer-based insurance (or multiple types): 87.1% (Texas: 54.5%)
> Americans under 65, direct-purchase insurance (or multiple types): 10.4% (Texas: 9.4%)
> Americans under 65, Tricare/military insurance (or many types): 2.3% (Texas: 2.3%)
Utah: 84664
> Location: Mapleton, Utah
> Americans under 65, no health insurance: 2.9% (Utah: 10.4%)
> Americans under 65, Medicare coverage (or multiple types): 1.1% (Utah: 1.5%)
> Americans under 65, Medicaid coverage (or multiple types): 6.5% (Utah: 10.7%)
> Americans under 65, VA coverage (or multiple types): 0.3% (Utah: 0.8%)
> Americans under 65, employer-based insurance (or multiple types): 69.6% (Utah: 68.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 22.2% (Utah: 12.5%)
> Americans under 65, Tricare/military insurance (or many types): 1.4% (Utah: 1.8%)
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Vermont: 05651
> Location: East Montpelier, Vermont
> Americans under 65, no health insurance: 0.0% reported (Vermont: 4.8%)
> Americans under 65, Medicare coverage (or multiple types): 1.4% (Vermont: 3.8%)
> Americans under 65, Medicaid coverage (or multiple types): 19.2% (Vermont: 27.1%)
> Americans under 65, VA coverage (or multiple types): 2.2% (Vermont: 1.2%)
> Americans under 65, employer-based insurance (or multiple types): 72.8% (Vermont: 60.5%)
> Americans under 65, direct-purchase insurance (or multiple types): 10.6% (Vermont: 10.1%)
> Americans under 65, Tricare/military insurance (or many types): 1.8% (Vermont: 1.6%)
Virginia: 22308
> Location: Fort Hunt, Virginia
> Americans under 65, no health insurance: 1.0% (Virginia: 10.0%)
> Americans under 65, Medicare coverage (or multiple types): 0.7% (Virginia: 2.7%)
> Americans under 65, Medicaid coverage (or multiple types): 1.1% (Virginia: 12.6%)
> Americans under 65, VA coverage (or multiple types): 1.9% (Virginia: 2.1%)
> Americans under 65, employer-based insurance (or multiple types): 83.1% (Virginia: 63.9%)
> Americans under 65, direct-purchase insurance (or multiple types): 13.6% (Virginia: 11.0%)
> Americans under 65, Tricare/military insurance (or many types): 14.1% (Virginia: 7.1%)
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Washington: 98315
> Location: Bangor Base, Washington
> Americans under 65, no health insurance: 0.0% reported (Washington: 7.3%)
> Americans under 65, Medicare coverage (or multiple types): 0.3% (Washington: 2.5%)
> Americans under 65, Medicaid coverage (or multiple types): 2.1% (Washington: 22.0%)
> Americans under 65, VA coverage (or multiple types): 1.0% (Washington: 1.6%)
> Americans under 65, employer-based insurance (or multiple types): 50.8% (Washington: 62.3%)
> Americans under 65, direct-purchase insurance (or multiple types): 1.1% (Washington: 9.7%)
> Americans under 65, Tricare/military insurance (or many types): 97.1% (Washington: 3.6%)
24/7 Wall St.
West Virginia: 25951
> Location: Hinton, West Virginia
> Americans under 65, no health insurance: 2.1% (West Virginia: 7.4%)
> Americans under 65, Medicare coverage (or multiple types): 6.6% (West Virginia: 5.4%)
> Americans under 65, Medicaid coverage (or multiple types): 47.1% (West Virginia: 30.3%)
> Americans under 65, VA coverage (or multiple types): 3.3% (West Virginia: 1.8%)
> Americans under 65, employer-based insurance (or multiple types): 47.3% (West Virginia: 57.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 5.5% (West Virginia: 6.4%)
> Americans under 65, Tricare/military insurance (or many types): 2.8% (West Virginia: 1.6%)
Wisconsin: 53153
> Location: North Prairie, Wisconsin
> Americans under 65, no health insurance: 1.0% (Wisconsin: 6.4%)
> Americans under 65, Medicare coverage (or multiple types): 1.5% (Wisconsin: 2.7%)
> Americans under 65, Medicaid coverage (or multiple types): 9.7% (Wisconsin: 18.0%)
> Americans under 65, VA coverage (or multiple types): 0.1% (Wisconsin: 1.1%)
> Americans under 65, employer-based insurance (or multiple types): 85.8% (Wisconsin: 69.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 6.3% (Wisconsin: 9.4%)
> Americans under 65, Tricare/military insurance (or many types): 0.2% (Wisconsin: 1.0%)
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Wyoming: 82721
> Location: Moorcroft, Wyoming
> Americans under 65, no health insurance: 5.2% (Wyoming: 13.5%)
> Americans under 65, Medicare coverage (or multiple types): 1.7% (Wyoming: 2.3%)
> Americans under 65, Medicaid coverage (or multiple types): 9.3% (Wyoming: 12.1%)
> Americans under 65, VA coverage (or multiple types): 0.7% (Wyoming: 1.8%)
> Americans under 65, employer-based insurance (or multiple types): 83.7% (Wyoming: 64.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 5.9% (Wyoming: 11.4%)
> Americans under 65, Tricare/military insurance (or many types): 0.6% (Wyoming: 3.0%)
Methodology
To determine the ZIP code with the best health insurance coverage in every state, 24/7 Wall St. 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 that 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 Bureau publishes data for, 32,936 had boundaries that fell within one of the 50 states, while the rest were in the District of Columbia or Puerto Rico.
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 breakouts.
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 19,534 places were ranked within their state 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.
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