Cities With the Best (and Worst) Health Insurance Coverage

July 13, 2016 by Steven M. Peters

lifestyle photo of a young caucasian man as he waits in a hospital examination roomWhen compared to European countries and other developed nations such as New Zealand, Australia, and Canada, The United States stands out as the only nation without a publicly financed universal health care system.

Around one third of U.S. residents are covered by public programs, namely Medicaid and Medicare. Including private coverage, 88.3% of Americans have health insurance. Despite covering fewer residents, health care spending in the United State is far higher than in any other high income nation.

To determine the metropolitan areas with the best and worst health insurance coverage rates, 24/7 Wall St. reviewed the percentage of people under 65 in U.S. metro areas without health insurance in 2014 from the Census Bureau.

Click here to see the cities with the best health insurance coverage.

Click here to see the cities with the worst health insurance coverage.

In Brownsville-Harlingen, Texas, 35.4% of residents under 65 do not have health insurance, the highest rate in the nation. This is more than 10 times the rate in Worcester, Maine where only 3.4% of residents of this age group are not insured, the lowest uninsured rate of any U.S. city.

Under the Affordable Care Act, which went into effect on January 1, 2014, states could opt to expand Medicaid coverage to persons under 65 earning incomes of up to 138% of the federal poverty level. Prior to this law taking effect, a U.S. Supreme Court ruling in 2012 allowed states to opt out of this Medicaid expansion, and 19 states chose to do so. States that adopted the Medicaid expansion tended to have higher health insurance coverage rates than states that did not adopt the expansion.

Mostly, this holds true for cities within these states. Of the 25 cities with the highest uninsured rates, 24 are located in states that opted out of the Medicaid expansion. By contrast, 22 of the 25 cities with the lowest uninsured rates are located in states that adopted the Medicaid expansion.

Because the Medicaid expansion is aimed at providing health insurance to poor residents, opting out of the Medicaid expansion has had a larger effect on cities with greater levels of poverty. In eight of the 10 metro areas with the highest rates of uninsured people, poverty rates are higher than the national rate. In addition, the three cities with the highest shares of uninsured residents also have the nation’s three highest poverty rates.

In metro areas with lower health insurance coverage rates, residents tend to report feeling generally worse about their health than those with higher coverage rates. When asked about their health, 14% of adults nationwide rate their health as fair or poor. In 23 of the 25 cities with the lowest coverage rates, a higher share of adults report fair or poor health, and in three of these cities more than 30% of adults report such poor health. By contrast, only two of the 25 cities with the best coverage rates report worse health than the nation as a whole.

To identify the cities with the highest uninsured rates, 24/7 Wall St. reviewed the percentage of individuals younger than 65 without health insurance by metropolitan statistical area from the U.S. Census Bureau’s 2014 American Community Survey. Poverty rates in these areas are also from the American Community Survey. Percentages of adults reporting fair or poor health are from the 2015 County Health Rankings. Data for whether a state has accepted federal funds and adopted the Medicaid expansion under the Affordable Care Act are from the Henry J. Kaiser Family Foundation.

These are the cities with the highest (and lowest) uninsured rates.

Cities With the Best Health Insurance Coverage

Owensboro, Kentucky

25. Owensboro, KY
> Pct. of adults under 65 without health insurance: 6.3%
> Poverty rate: 14.9%
> Pct. of adults in fair or poor health: 18.9%
> Medicaid expansion under ACA: Yes

Des Moines, Iowa

24. Des Moines-West Des Moines, IA
> Pct. of adults under 65 without health insurance: 6.3%
> Poverty rate: 12.0%
> Pct. of adults in fair or poor health: 11.7%
> Medicaid expansion under ACA: Yes

La Crosse-Onalaska, Wisconsin

23. La Crosse-Onalaska, WI-MN
> Pct. of adults under 65 without health insurance: 6.3%
> Poverty rate: 11.8%
> Pct. of adults in fair or poor health: 11.9%
> Medicaid expansion under ACA: No

California-Lexington Park, Maryland

22. California-Lexington Park, MD
> Pct. of adults under 65 without health insurance: 6.3%
> Poverty rate: 7.5%
> Pct. of adults in fair or poor health: 12.5%
> Medicaid expansion under ACA: Yes

Elmira, New York

21. Elmira, NY
> Pct. of adults under 65 without health insurance: 6.3%
> Poverty rate: 18.7%
> Pct. of adults in fair or poor health: 12.7%
> Medicaid expansion under ACA: Yes

Wausau, Wisconsin

20. Wausau, WI
> Pct. of adults under 65 without health insurance: 6.3%
> Poverty rate: 9.4%
> Pct. of adults in fair or poor health: 11.8%
> Medicaid expansion under ACA: No

Oshkosh, Wisconsin

19. Oshkosh-Neenah, WI
> Pct. of adults under 65 without health insurance: 6.3%
> Poverty rate: 12.4%
> Pct. of adults in fair or poor health: 12.3%
> Medicaid expansion under ACA: No

Iowa City, Iowa

18. Iowa City, IA
> Pct. of adults under 65 without health insurance: 6.2%
> Poverty rate: 16.0%
> Pct. of adults in fair or poor health: 11.8%
> Medicaid expansion under ACA: Yes

Rochester, Minnesota

17. Rochester, MN
> Pct. of adults under 65 without health insurance: 6.2%
> Poverty rate: 9.5%
> Pct. of adults in fair or poor health: 9.2%
> Medicaid expansion under ACA: Yes

Dubuque Iowa

16. Dubuque, IA
> Pct. of adults under 65 without health insurance: 6.2%
> Poverty rate: 12.2%
> Pct. of adults in fair or poor health: 10.7%
> Medicaid expansion under ACA: Yes

Hartford, Connecticut dusk

15. Hartford-West Hartford-East Hartford, CT
> Pct. of adults under 65 without health insurance: 6.1%
> Poverty rate: 11.1%
> Pct. of adults in fair or poor health: 11.9%
> Medicaid expansion under ACA: Yes

Buffalo Skyline

14. Buffalo-Cheektowaga-Niagara Falls, NY
> Pct. of adults under 65 without health insurance: 6.1%
> Poverty rate: 14.8%
> Pct. of adults in fair or poor health: 13.5%
> Medicaid expansion under ACA: Yes

Norwich, Connecticut

13. Norwich-New London, CT
> Pct. of adults under 65 without health insurance: 5.9%
> Poverty rate: 11.3%
> Pct. of adults in fair or poor health: 10.9%
> Medicaid expansion under ACA: Yes

Honolulu, Hawaii

12. Urban Honolulu, HI
> Pct. of adults under 65 without health insurance: 5.5%
> Poverty rate: 9.7%
> Pct. of adults in fair or poor health: 12.6%
> Medicaid expansion under ACA: Yes

Binghamton, New York

11. Binghamton, NY
> Pct. of adults under 65 without health insurance: 5.5%
> Poverty rate: 15.6%
> Pct. of adults in fair or poor health: 13.1%
> Medicaid expansion under ACA: Yes

Bloomington, Illlinois

10. Bloomington, IL
> Pct. of adults under 65 without health insurance: 5.4%
> Poverty rate: 14.4%
> Pct. of adults in fair or poor health: 12.9%
> Medicaid expansion under ACA: Yes

Ithaca, New York

9. Ithaca, NY
> Pct. of adults under 65 without health insurance: 5.2%
> Poverty rate: 19.8%
> Pct. of adults in fair or poor health: 12.9%
> Medicaid expansion under ACA: Yes

Cedar Rapids, Iowa

8. Cedar Rapids, IA
> Pct. of adults under 65 without health insurance: 5.0%
> Poverty rate: 9.2%
> Pct. of adults in fair or poor health: 10.9%
> Medicaid expansion under ACA: Yes

Pittsfield, Massachusetts

7. Pittsfield, MA
> Pct. of adults under 65 without health insurance: 4.9%
> Poverty rate: 12.4%
> Pct. of adults in fair or poor health: 12.7%
> Medicaid expansion under ACA: Yes

Burlington-South Burlington, Vermont

6. Burlington-South Burlington, VT
> Pct. of adults under 65 without health insurance: 4.6%
> Poverty rate: 10.4%
> Pct. of adults in fair or poor health: 8.9%
> Medicaid expansion under ACA: Yes

Mankato, Minnesota

5. Mankato-North Mankato, MN
> Pct. of adults under 65 without health insurance: 4.5%
> Poverty rate: 16.3%
> Pct. of adults in fair or poor health: 11.5%
> Medicaid expansion under ACA: Yes

Barnstable Town, Massachusetts

4. Barnstable Town, MA
> Pct. of adults under 65 without health insurance: 4.3%
> Poverty rate: 7.7%
> Pct. of adults in fair or poor health: 9.2%
> Medicaid expansion under ACA: Yes

Boston, Cambridge Skyline, Aerial view, Charles River and Beacon Hill

3. Boston-Cambridge-Newton, MA-NH
> Pct. of adults under 65 without health insurance: 4.3%
> Poverty rate: 10.6%
> Pct. of adults in fair or poor health: 13.0%
> Medicaid expansion under ACA: Yes

Springfield, Massachusetts

2. Springfield, MA
> Pct. of adults under 65 without health insurance: 4.0%
> Poverty rate: 17.4%
> Pct. of adults in fair or poor health: 16.9%
> Medicaid expansion under ACA: Yes

Worcester, Massachusetts

1. Worcester, MA-CT
> Pct. of adults under 65 without health insurance: 3.4%
> Poverty rate: 11.2%
> Pct. of adults in fair or poor health: 12.2%
> Medicaid expansion under ACA: Yes

Cities With the Worst Health Insurance Coverage

Longview, Texas

25. Longview, TX
> Pct. of adults under 65 without health insurance: 21.1%
> Poverty rate: 16.2%
> Pct. of adults in fair or poor health: 17.2%
> Medicaid expansion under ACA: No

Corpus Christi, Texas
24. Corpus Christi, TX
> Pct. of adults under 65 without health insurance: 21.2%
> Poverty rate: 15.5%
> Pct. of adults in fair or poor health: 21.0%
> Medicaid expansion under ACA: No

Myrtle Beach, South Carolina

23. Myrtle Beach-Conway-North Myrtle Beach, SC-NC
> Pct. of adults under 65 without health insurance: 21.2%
> Poverty rate: 17.4%
> Pct. of adults in fair or poor health: 17.7%
> Medicaid expansion under ACA: No

Houston, Texas 3

22. Houston-The Woodlands-Sugar Land, TX
> Pct. of adults under 65 without health insurance: 21.4%
> Poverty rate: 15.3%
> Pct. of adults in fair or poor health: 18.1%
> Medicaid expansion under ACA: No

Midland, Texas 2

21. Midland, TX
> Pct. of adults under 65 without health insurance: 21.6%
> Poverty rate: 7.8%
> Pct. of adults in fair or poor health: 16.1%
> Medicaid expansion under ACA: No

Valdosta, Georgia

20. Valdosta, GA
> Pct. of adults under 65 without health insurance: 21.6%
> Poverty rate: 26.0%
> Pct. of adults in fair or poor health: 20.0%
> Medicaid expansion under ACA: No

Daytona Beach, Florida

19. Deltona-Daytona Beach-Ormond Beach, FL
> Pct. of adults under 65 without health insurance: 21.6%
> Poverty rate: 16.4%
> Pct. of adults in fair or poor health: 15.6%
> Medicaid expansion under ACA: No

St. George, Utah

18. St. George, UT
> Pct. of adults under 65 without health insurance: 22.5%
> Poverty rate: 12.0%
> Pct. of adults in fair or poor health: 12.5%
> Medicaid expansion under ACA: No

Harbor walk on Charlotte Horbor in Punta Gorda, FL

17. Punta Gorda, FL
> Pct. of adults under 65 without health insurance: 22.6%
> Poverty rate: 10.7%
> Pct. of adults in fair or poor health: 13.2%
> Medicaid expansion under ACA: No

Miami, Florida

16. Miami-Fort Lauderdale-West Palm Beach, FL
> Pct. of adults under 65 without health insurance: 22.8%
> Poverty rate: 17.2%
> Pct. of adults in fair or poor health: 18.9%
> Medicaid expansion under ACA: No

Tyler, Texas

15. Tyler, TX
> Pct. of adults under 65 without health insurance: 22.9%
> Poverty rate: 19.0%
> Pct. of adults in fair or poor health: 17.0%
> Medicaid expansion under ACA: No

Dalton, Georgia

14. Dalton, GA
> Pct. of adults under 65 without health insurance: 22.9%
> Poverty rate: 21.6%
> Pct. of adults in fair or poor health: 21.5%
> Medicaid expansion under ACA: No

Beaumont, Texas

13. Beaumont-Port Arthur, TX
> Pct. of adults under 65 without health insurance: 23.2%
> Poverty rate: 18.6%
> Pct. of adults in fair or poor health: 17.6%
> Medicaid expansion under ACA: No

Sebastian-Vero Beach, Florida

12. Sebastian-Vero Beach, FL
> Pct. of adults under 65 without health insurance: 23.2%
> Poverty rate: 15.1%
> Pct. of adults in fair or poor health: 14.7%
> Medicaid expansion under ACA: No

San Angelo, Texas

11. San Angelo, TX
> Pct. of adults under 65 without health insurance: 23.4%
> Poverty rate: 15.1%
> Pct. of adults in fair or poor health: 18.9%
> Medicaid expansion under ACA: No

Cape Coral, Florida

10. Cape Coral-Fort Myers, FL
> Pct. of adults under 65 without health insurance: 23.5%
> Poverty rate: 16.3%
> Pct. of adults in fair or poor health: 15.8%
> Medicaid expansion under ACA: No

Odessa, Texas

9. Odessa, TX
> Pct. of adults under 65 without health insurance: 23.6%
> Poverty rate: 10.0%
> Pct. of adults in fair or poor health: 20.8%
> Medicaid expansion under ACA: No

Lake Havasu City-Kingman, Arizona

8. Lake Havasu City-Kingman, AZ
> Pct. of adults under 65 without health insurance: 23.7%
> Poverty rate: 20.6%
> Pct. of adults in fair or poor health: 19.3%
> Medicaid expansion under ACA: Yes

Ocala, Florida

7. Ocala, FL
> Pct. of adults under 65 without health insurance: 23.7%
> Poverty rate: 17.4%
> Pct. of adults in fair or poor health: 17.6%
> Medicaid expansion under ACA: No

El Paso, Texas 2

6. El Paso, TX
> Pct. of adults under 65 without health insurance: 25.1%
> Poverty rate: 23.4%
> Pct. of adults in fair or poor health: 27.8%
> Medicaid expansion under ACA: No

Naples, FL

5. Naples-Immokalee-Marco Island, FL
> Pct. of adults under 65 without health insurance: 25.9%
> Poverty rate: 14.5%
> Pct. of adults in fair or poor health: 16.4%
> Medicaid expansion under ACA: No

Sebring, Florida

4. Sebring, FL
> Pct. of adults under 65 without health insurance: 27.2%
> Poverty rate: 18.1%
> Pct. of adults in fair or poor health: 17.4%
> Medicaid expansion under ACA: No

Laredo, Texas

3. Laredo, TX
> Pct. of adults under 65 without health insurance: 33.4%
> Poverty rate: 33.4%
> Pct. of adults in fair or poor health: 35.1%
> Medicaid expansion under ACA: No

McAllen, Texas

2. McAllen-Edinburg-Mission, TX
> Pct. of adults under 65 without health insurance: 35.1%
> Poverty rate: 34.0%
> Pct. of adults in fair or poor health: 30.4%
> Medicaid expansion under ACA: No

brownsville heat

1. Brownsville-Harlingen, TX
> Pct. of adults under 65 without health insurance: 35.4%
> Poverty rate: 35.2%
> Pct. of adults in fair or poor health: 34.1%
> Medicaid expansion under ACA: No

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