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 U.S. uninsured rate among Americans younger than 65 has inched up over the years since, it remains well below the reported 17%+ figures in the years leading up to the ACA.Â
Without a universal health care program, most Americans under age 65 receive employer-based health insurance coverage. Under this system, 10.8% of Americans younger than 65, approximately 29 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 uninsured rate for Americans younger than 65 for 2020 will likely be higher than the 2019 rate. And in some parts of the country, the 2019 rate was already close to or above the higher national uninsured rates of the era before the passing of the ACA.Â
Using data from the U.S. Census Bureau, 24/7 Wall St. identified the metropolitan area in every state with the worst health insurance coverage. Metro areas are ranked based on the share of residents under age 65 — the age of eligibility for Medicare — who are uninsured. It is important to note that Delaware, New Hampshire, Rhode Island, and Vermont each have only one metropolitan area, and as a result, these places rank as having the worst health insurance coverage by default only.Â
Uninsured rates vary considerably across the country, and as a result, a metro area’s ranking on this list does not necessarily mean the uninsured rate is high relative to the nation as a whole. In over a dozen states, particularly in New England and parts of the Midwest, the highest uninsured rate among counties is in the single digits. Uninsured rates in the metropolitan areas on this list range from 4.1% to 35.7%. In comparison, here is the metro with the best health insurance in every state.
Click here to see the metro with the worst health insurance coverage in every state
Click here to see our detailed methodology
Source: Public Domain / Wikimedia Commons
Alabama: Gadsden
> Americans under 65, no health insurance: 16.0% (Alabama: 11.7%)
> Americans under 65, Medicare coverage (or multiple types): 5.1% (Alabama: 4.8%)
> Americans under 65, Medicaid coverage (or multiple types): 22.8% (Alabama: 20.8%)
> Americans under 65, VA coverage (or multiple types): 1.1% (Alabama: 1.6%)
> Americans under 65, employer-based insurance (or multiple types): 53.4% (Alabama: 58.2%)
> Americans under 65, direct-purchase insurance (or multiple types): 12.3% (Alabama: 9.7%)
> Americans under 65, Tricare/military insurance (or many types): 1.0% (Alabama: 3.6%)
[in-text-ad]
Source: Chilkoot / Getty Images
Alaska: Anchorage
> Americans under 65, no health insurance: 12.9% (Alaska: 13.9%)
> Americans under 65, Medicare coverage (or multiple types): 2.8% (Alaska: 2.3%)
> Americans under 65, Medicaid coverage (or multiple types): 20.7% (Alaska: 22.8%)
> Americans under 65, VA coverage (or multiple types): 4.0% (Alaska: 3.1%)
> Americans under 65, employer-based insurance (or multiple types): 57.6% (Alaska: 55.0%)
> Americans under 65, direct-purchase insurance (or multiple types): 6.9% (Alaska: 6.4%)
> Americans under 65, Tricare/military insurance (or many types): 10.5% (Alaska: 9.6%)
Source: ianmcdonnell / Getty Images
Arizona: Yuma
> Americans under 65, no health insurance: 17.4% (Arizona: 13.6%)
> Americans under 65, Medicare coverage (or multiple types): 1.8% (Arizona: 2.8%)
> Americans under 65, Medicaid coverage (or multiple types): 35.9% (Arizona: 22.8%)
> Americans under 65, VA coverage (or multiple types): 1.7% (Arizona: 1.6%)
> Americans under 65, employer-based insurance (or multiple types): 40.8% (Arizona: 56.2%)
> Americans under 65, direct-purchase insurance (or multiple types): 6.9% (Arizona: 8.5%)
> Americans under 65, Tricare/military insurance (or many types): 5.4% (Arizona: 2.4%)
Source: danthi66 / Getty Images
Arkansas: Hot Springs
> Americans under 65, no health insurance: 14.5% (Arkansas: 10.9%)
> Americans under 65, Medicare coverage (or multiple types): 6.0% (Arkansas: 4.9%)
> Americans under 65, Medicaid coverage (or multiple types): 31.9% (Arkansas: 29.1%)
> Americans under 65, VA coverage (or multiple types): 1.3% (Arkansas: 1.7%)
> Americans under 65, employer-based insurance (or multiple types): 43.4% (Arkansas: 51.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 10.6% (Arkansas: 9.1%)
> Americans under 65, Tricare/military insurance (or many types): 1.7% (Arkansas: 2.0%)
[in-text-ad-2]
Source: diegograndi / Getty Images
California: Merced
> Americans under 65, no health insurance: 13.2% (California: 8.9%)
> Americans under 65, Medicare coverage (or multiple types): 1.8% (California: 2.1%)
> Americans under 65, Medicaid coverage (or multiple types): 41.2% (California: 26.4%)
> Americans under 65, VA coverage (or multiple types): 0.8% (California: 0.9%)
> Americans under 65, employer-based insurance (or multiple types): 41.8% (California: 56.9%)
> Americans under 65, direct-purchase insurance (or multiple types): 6.6% (California: 10.4%)
> Americans under 65, Tricare/military insurance (or many types): 0.7% (California: 1.4%)
Source: Adventure_Photo / Getty Images
Colorado: Grand Junction
> Americans under 65, no health insurance: 12.4% (Colorado: 9.3%)
> Americans under 65, Medicare coverage (or multiple types): 3.1% (Colorado: 1.9%)
> Americans under 65, Medicaid coverage (or multiple types): 26.0% (Colorado: 18.1%)
> Americans under 65, VA coverage (or multiple types): 1.6% (Colorado: 1.7%)
> Americans under 65, employer-based insurance (or multiple types): 55.3% (Colorado: 62.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 6.4% (Colorado: 10.5%)
> Americans under 65, Tricare/military insurance (or many types): 0.7% (Colorado: 3.4%)
[in-text-ad]
Source: DenisTangneyJr / iStock via Getty Images
Connecticut: Bridgeport-Stamford-Norwalk
> Americans under 65, no health insurance: 10.6% (Connecticut: 7.0%)
> Americans under 65, Medicare coverage (or multiple types): 1.6% (Connecticut: 2.5%)
> Americans under 65, Medicaid coverage (or multiple types): 20.2% (Connecticut: 23.2%)
> Americans under 65, VA coverage (or multiple types): 0.5% (Connecticut: 0.8%)
> Americans under 65, employer-based insurance (or multiple types): 61.9% (Connecticut: 64.2%)
> Americans under 65, direct-purchase insurance (or multiple types): 9.6% (Connecticut: 8.5%)
> Americans under 65, Tricare/military insurance (or many types): 0.4% (Connecticut: 1.0%)
24/7 Wall St.
Source: traveler1116 / Getty Images
Delaware: Dover*
> Americans under 65, no health insurance: 10.9% (Delaware: 8.1%)
> Americans under 65, Medicare coverage (or multiple types): 4.4% (Delaware: 3.3%)
> Americans under 65, Medicaid coverage (or multiple types): 23.5% (Delaware: 23.0%)
> Americans under 65, VA coverage (or multiple types): 2.0% (Delaware: 1.2%)
> Americans under 65, employer-based insurance (or multiple types): 57.4% (Delaware: 63.6%)
> Americans under 65, direct-purchase insurance (or multiple types): 6.2% (Delaware: 8.3%)
> Americans under 65, Tricare/military insurance (or many types): 9.8% (Delaware: 3.2%)
*Because Dover is the only eligible metro in Delaware, it is the metro with the worst health insurance coverage by default.
Source: dosecreative / Getty Images
Florida: Sebastian-Vero Beach
> Americans under 65, no health insurance: 19.9% (Florida: 16.3%)
> Americans under 65, Medicare coverage (or multiple types): 2.6% (Florida: 3.2%)
> Americans under 65, Medicaid coverage (or multiple types): 18.6% (Florida: 18.1%)
> Americans under 65, VA coverage (or multiple types): 1.6% (Florida: 1.6%)
> Americans under 65, employer-based insurance (or multiple types): 46.1% (Florida: 51.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 17.1% (Florida: 14.2%)
> Americans under 65, Tricare/military insurance (or many types): 2.3% (Florida: 2.7%)
[in-text-ad-2]
Source: Public Domain / Wikimedia Commons
Georgia: Gainesville
> Americans under 65, no health insurance: 21.6% (Georgia: 15.5%)
> Americans under 65, Medicare coverage (or multiple types): 2.5% (Georgia: 3.1%)
> Americans under 65, Medicaid coverage (or multiple types): 17.2% (Georgia: 17.5%)
> Americans under 65, VA coverage (or multiple types): 1.0% (Georgia: 1.7%)
> Americans under 65, employer-based insurance (or multiple types): 52.2% (Georgia: 58.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 9.2% (Georgia: 9.2%)
> Americans under 65, Tricare/military insurance (or many types): 0.9% (Georgia: 3.3%)
Hawaii: Kahului-Wailuku-Lahaina
> Americans under 65, no health insurance: 7.4% (Hawaii: 5.0%)
> Americans under 65, Medicare coverage (or multiple types): 1.7% (Hawaii: 2.0%)
> Americans under 65, Medicaid coverage (or multiple types): 21.4% (Hawaii: 19.5%)
> Americans under 65, VA coverage (or multiple types): 0.4% (Hawaii: 1.5%)
> Americans under 65, employer-based insurance (or multiple types): 65.5% (Hawaii: 66.9%)
> Americans under 65, direct-purchase insurance (or multiple types): 14.3% (Hawaii: 9.9%)
> Americans under 65, Tricare/military insurance (or many types): 0.8% (Hawaii: 7.6%)
[in-text-ad]
Source: peeterv / iStock via Getty Images
Idaho: Twin Falls
> Americans under 65, no health insurance: 15.4% (Idaho: 12.8%)
> Americans under 65, Medicare coverage (or multiple types): 2.3% (Idaho: 2.7%)
> Americans under 65, Medicaid coverage (or multiple types): 21.3% (Idaho: 17.3%)
> Americans under 65, VA coverage (or multiple types): 0.8% (Idaho: 1.6%)
> Americans under 65, employer-based insurance (or multiple types): 56.9% (Idaho: 58.7%)
> Americans under 65, direct-purchase insurance (or multiple types): 9.7% (Idaho: 12.9%)
> Americans under 65, Tricare/military insurance (or many types): 0.4% (Idaho: 2.5%)
24/7 Wall St.
Source: RudyBalasko / Getty Images
Illinois: Chicago-Naperville-Elgin
> Americans under 65, no health insurance: 9.4% (Illinois: 8.6%)
> Americans under 65, Medicare coverage (or multiple types): 2.1% (Illinois: 2.5%)
> Americans under 65, Medicaid coverage (or multiple types): 18.3% (Illinois: 19.7%)
> Americans under 65, VA coverage (or multiple types): 0.7% (Illinois: 0.8%)
> Americans under 65, employer-based insurance (or multiple types): 65.9% (Illinois: 64.9%)
> Americans under 65, direct-purchase insurance (or multiple types): 7.9% (Illinois: 8.3%)
> Americans under 65, Tricare/military insurance (or many types): 0.6% (Illinois: 1.0%)
Source: BOB WESTON / iStock via Getty Images
Indiana: Elkhart-Goshen
> Americans under 65, no health insurance: 18.4% (Indiana: 10.3%)
> Americans under 65, Medicare coverage (or multiple types): 2.2% (Indiana: 3.2%)
> Americans under 65, Medicaid coverage (or multiple types): 17.8% (Indiana: 19.1%)
> Americans under 65, VA coverage (or multiple types): 0.4% (Indiana: 1.1%)
> Americans under 65, employer-based insurance (or multiple types): 59.5% (Indiana: 64.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 6.0% (Indiana: 7.8%)
> Americans under 65, Tricare/military insurance (or many types): 0.6% (Indiana: 1.3%)
[in-text-ad-2]
Source: harmantasdc / Getty Images
Iowa: Iowa City
> Americans under 65, no health insurance: 8.7% (Iowa: 6.0%)
> Americans under 65, Medicare coverage (or multiple types): 2.2% (Iowa: 2.7%)
> Americans under 65, Medicaid coverage (or multiple types): 14.9% (Iowa: 21.3%)
> Americans under 65, VA coverage (or multiple types): 1.0% (Iowa: 1.3%)
> Americans under 65, employer-based insurance (or multiple types): 70.5% (Iowa: 67.6%)
> Americans under 65, direct-purchase insurance (or multiple types): 10.4% (Iowa: 8.5%)
> Americans under 65, Tricare/military insurance (or many types): 1.4% (Iowa: 1.3%)
Source: Sean Pavone / Getty Images
Kansas: Wichita
> Americans under 65, no health insurance: 12.1% (Kansas: 10.9%)
> Americans under 65, Medicare coverage (or multiple types): 3.2% (Kansas: 2.7%)
> Americans under 65, Medicaid coverage (or multiple types): 18.2% (Kansas: 14.3%)
> Americans under 65, VA coverage (or multiple types): 1.5% (Kansas: 1.3%)
> Americans under 65, employer-based insurance (or multiple types): 62.9% (Kansas: 66.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 8.8% (Kansas: 10.1%)
> Americans under 65, Tricare/military insurance (or many types): 3.2% (Kansas: 3.2%)
[in-text-ad]
Source: DenisTangneyJr / Getty Images
Kentucky: Bowling Green
> Americans under 65, no health insurance: 8.5% (Kentucky: 7.7%)
> Americans under 65, Medicare coverage (or multiple types): 4.1% (Kentucky: 5.0%)
> Americans under 65, Medicaid coverage (or multiple types): 26.4% (Kentucky: 28.3%)
> Americans under 65, VA coverage (or multiple types): 0.8% (Kentucky: 1.4%)
> Americans under 65, employer-based insurance (or multiple types): 58.9% (Kentucky: 57.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 8.0% (Kentucky: 7.3%)
> Americans under 65, Tricare/military insurance (or many types): 2.1% (Kentucky: 2.2%)
Source: DenisTangneyJr / Getty Images
Louisiana: Alexandria
> Americans under 65, no health insurance: 11.8% (Louisiana: 10.5%)
> Americans under 65, Medicare coverage (or multiple types): 4.9% (Louisiana: 4.0%)
> Americans under 65, Medicaid coverage (or multiple types): 36.8% (Louisiana: 31.6%)
> Americans under 65, VA coverage (or multiple types): 2.8% (Louisiana: 1.2%)
> Americans under 65, employer-based insurance (or multiple types): 45.8% (Louisiana: 50.9%)
> Americans under 65, direct-purchase insurance (or multiple types): 8.2% (Louisiana: 8.4%)
> Americans under 65, Tricare/military insurance (or many types): 2.1% (Louisiana: 2.0%)
Source: DenisTangneyJr / Getty Images
Maine: Bangor
> Americans under 65, no health insurance: 11.8% (Maine: 10.1%)
> Americans under 65, Medicare coverage (or multiple types): 5.4% (Maine: 4.4%)
> Americans under 65, Medicaid coverage (or multiple types): 22.4% (Maine: 20.2%)
> Americans under 65, VA coverage (or multiple types): 1.7% (Maine: 1.7%)
> Americans under 65, employer-based insurance (or multiple types): 55.1% (Maine: 61.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 11.5% (Maine: 10.5%)
> Americans under 65, Tricare/military insurance (or many types): 4.0% (Maine: 2.4%)
[in-text-ad-2]
Source: walkingsf / Flickr
Maryland: Salisbury
> Americans under 65, no health insurance: 9.4% (Maryland: 6.9%)
> Americans under 65, Medicare coverage (or multiple types): 3.5% (Maryland: 2.8%)
> Americans under 65, Medicaid coverage (or multiple types): 30.1% (Maryland: 19.6%)
> Americans under 65, VA coverage (or multiple types): 0.7% (Maryland: 1.2%)
> Americans under 65, employer-based insurance (or multiple types): 53.5% (Maryland: 65.6%)
> Americans under 65, direct-purchase insurance (or multiple types): 9.5% (Maryland: 9.3%)
> Americans under 65, Tricare/military insurance (or many types): 1.4% (Maryland: 3.3%)
Source: Kevin Rutherford / Wikimedia Commons
Massachusetts: Barnstable Town
> Americans under 65, no health insurance: 4.1% (Massachusetts: 3.5%)
> Americans under 65, Medicare coverage (or multiple types): 2.1% (Massachusetts: 2.6%)
> Americans under 65, Medicaid coverage (or multiple types): 23.2% (Massachusetts: 23.0%)
> Americans under 65, VA coverage (or multiple types): 0.5% (Massachusetts: 0.6%)
> Americans under 65, employer-based insurance (or multiple types): 63.7% (Massachusetts: 68.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 11.3% (Massachusetts: 10.2%)
> Americans under 65, Tricare/military insurance (or many types): 2.1% (Massachusetts: 0.8%)
[in-text-ad]
Source: coophil / Getty Images
Michigan: Niles
> Americans under 65, no health insurance: 9.4% (Michigan: 6.9%)
> Americans under 65, Medicare coverage (or multiple types): 4.1% (Michigan: 3.7%)
> Americans under 65, Medicaid coverage (or multiple types): 28.4% (Michigan: 23.8%)
> Americans under 65, VA coverage (or multiple types): 1.0% (Michigan: 1.0%)
> Americans under 65, employer-based insurance (or multiple types): 56.0% (Michigan: 63.7%)
> Americans under 65, direct-purchase insurance (or multiple types): 10.0% (Michigan: 8.9%)
> Americans under 65, Tricare/military insurance (or many types): 0.6% (Michigan: 0.9%)
Source: Andy445 / Getty Images
Minnesota: Rochester
> Americans under 65, no health insurance: 6.6% (Minnesota: 5.8%)
> Americans under 65, Medicare coverage (or multiple types): 1.2% (Minnesota: 2.0%)
> Americans under 65, Medicaid coverage (or multiple types): 14.3% (Minnesota: 18.9%)
> Americans under 65, VA coverage (or multiple types): 0.8% (Minnesota: 0.9%)
> Americans under 65, employer-based insurance (or multiple types): 76.2% (Minnesota: 69.8%)
> Americans under 65, direct-purchase insurance (or multiple types): 7.5% (Minnesota: 8.4%)
> Americans under 65, Tricare/military insurance (or many types): 0.8% (Minnesota: 1.0%)
Source: Woodlot / Wikimedia Commons
Mississippi: Hattiesburg
> Americans under 65, no health insurance: 16.6% (Mississippi: 15.4%)
> Americans under 65, Medicare coverage (or multiple types): 3.9% (Mississippi: 4.5%)
> Americans under 65, Medicaid coverage (or multiple types): 25.1% (Mississippi: 25.1%)
> Americans under 65, VA coverage (or multiple types): 1.8% (Mississippi: 1.2%)
> Americans under 65, employer-based insurance (or multiple types): 50.1% (Mississippi: 50.9%)
> Americans under 65, direct-purchase insurance (or multiple types): 7.0% (Mississippi: 8.6%)
> Americans under 65, Tricare/military insurance (or many types): 2.5% (Mississippi: 2.9%)
[in-text-ad-2]
Source: Michael Munster / Getty Images
Missouri: Joplin
> Americans under 65, no health insurance: 17.8% (Missouri: 12.0%)
> Americans under 65, Medicare coverage (or multiple types): 4.0% (Missouri: 3.7%)
> Americans under 65, Medicaid coverage (or multiple types): 23.4% (Missouri: 15.6%)
> Americans under 65, VA coverage (or multiple types): 2.2% (Missouri: 1.4%)
> Americans under 65, employer-based insurance (or multiple types): 51.3% (Missouri: 63.3%)
> Americans under 65, direct-purchase insurance (or multiple types): 8.8% (Missouri: 9.3%)
> Americans under 65, Tricare/military insurance (or many types): 1.1% (Missouri: 2.1%)
Source: leezsnow / Getty Images
Montana: Great Falls
> Americans under 65, no health insurance: 8.6% (Montana: 10.2%)
> Americans under 65, Medicare coverage (or multiple types): 3.3% (Montana: 3.0%)
> Americans under 65, Medicaid coverage (or multiple types): 29.6% (Montana: 23.6%)
> Americans under 65, VA coverage (or multiple types): 3.3% (Montana: 2.2%)
> Americans under 65, employer-based insurance (or multiple types): 48.2% (Montana: 55.0%)
> Americans under 65, direct-purchase insurance (or multiple types): 8.9% (Montana: 13.6%)
> Americans under 65, Tricare/military insurance (or many types): 11.0% (Montana: 3.0%)
[in-text-ad]
Source: Public Domain / Wikimedia Commons
Nebraska: Grand Island
> Americans under 65, no health insurance: 12.5% (Nebraska: 9.8%)
> Americans under 65, Medicare coverage (or multiple types): 2.4% (Nebraska: 2.2%)
> Americans under 65, Medicaid coverage (or multiple types): 17.8% (Nebraska: 13.4%)
> Americans under 65, VA coverage (or multiple types): 1.3% (Nebraska: 1.2%)
> Americans under 65, employer-based insurance (or multiple types): 62.9% (Nebraska: 67.2%)
> Americans under 65, direct-purchase insurance (or multiple types): 10.8% (Nebraska: 12.1%)
> Americans under 65, Tricare/military insurance (or many types): 0.9% (Nebraska: 2.6%)
Source: DenisTangneyJr / Getty Images
Nevada: Carson City
> Americans under 65, no health insurance: 18.7% (Nevada: 13.4%)
> Americans under 65, Medicare coverage (or multiple types): 2.9% (Nevada: 2.4%)
> Americans under 65, Medicaid coverage (or multiple types): 18.2% (Nevada: 18.9%)
> Americans under 65, VA coverage (or multiple types): 1.5% (Nevada: 1.8%)
> Americans under 65, employer-based insurance (or multiple types): 53.9% (Nevada: 59.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 9.3% (Nevada: 8.7%)
> Americans under 65, Tricare/military insurance (or many types): 0.5% (Nevada: 2.6%)
Source: DenisTangneyJr / Getty Images
New Hampshire: Manchester-Nashua*
> Americans under 65, no health insurance: 7.9% (New Hampshire: 7.6%)
> Americans under 65, Medicare coverage (or multiple types): 3.1% (New Hampshire: 3.2%)
> Americans under 65, Medicaid coverage (or multiple types): 15.7% (New Hampshire: 14.6%)
> Americans under 65, VA coverage (or multiple types): 1.1% (New Hampshire: 1.2%)
> Americans under 65, employer-based insurance (or multiple types): 69.4% (New Hampshire: 68.8%)
> Americans under 65, direct-purchase insurance (or multiple types): 7.5% (New Hampshire: 9.1%)
> Americans under 65, Tricare/military insurance (or many types): 1.4% (New Hampshire: 1.5%)
*Because Manchester-Nashua is the only eligible metro in New Hampshire, it is the metro with the worst health insurance coverage by default.
[in-text-ad-2]
Source: shakzu / Getty Images
New Jersey: Vineland-Bridgeton
> Americans under 65, no health insurance: 10.8% (New Jersey: 9.2%)
> Americans under 65, Medicare coverage (or multiple types): 4.5% (New Jersey: 2.5%)
> Americans under 65, Medicaid coverage (or multiple types): 34.6% (New Jersey: 17.4%)
> Americans under 65, VA coverage (or multiple types): 0.4% (New Jersey: 0.5%)
> Americans under 65, employer-based insurance (or multiple types): 52.2% (New Jersey: 66.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 10.0% (New Jersey: 8.7%)
> Americans under 65, Tricare/military insurance (or many types): 0.6% (New Jersey: 0.7%)
Source: AllenS / Wikimedia Commons
New Mexico: Farmington
> Americans under 65, no health insurance: 16.3% (New Mexico: 12.0%)
> Americans under 65, Medicare coverage (or multiple types): 4.0% (New Mexico: 3.7%)
> Americans under 65, Medicaid coverage (or multiple types): 40.3% (New Mexico: 37.0%)
> Americans under 65, VA coverage (or multiple types): 1.5% (New Mexico: 1.7%)
> Americans under 65, employer-based insurance (or multiple types): 43.5% (New Mexico: 46.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 3.5% (New Mexico: 7.6%)
> Americans under 65, Tricare/military insurance (or many types): 1.3% (New Mexico: 2.9%)
[in-text-ad]
Source: Edgar Feliz / iStock via Getty Images
New York: New York-Newark-Jersey City
> Americans under 65, no health insurance: 7.9% (New York: 6.1%)
> Americans under 65, Medicare coverage (or multiple types): 2.2% (New York: 2.7%)
> Americans under 65, Medicaid coverage (or multiple types): 23.8% (New York: 26.9%)
> Americans under 65, VA coverage (or multiple types): 0.4% (New York: 0.6%)
> Americans under 65, employer-based insurance (or multiple types): 61.4% (New York: 60.2%)
> Americans under 65, direct-purchase insurance (or multiple types): 10.4% (New York: 10.8%)
> Americans under 65, Tricare/military insurance (or many types): 0.3% (New York: 0.7%)
Source: warrenlemay / Flickr
North Carolina: Hickory-Lenoir-Morganton
> Americans under 65, no health insurance: 16.6% (North Carolina: 13.4%)
> Americans under 65, Medicare coverage (or multiple types): 4.2% (North Carolina: 3.3%)
> Americans under 65, Medicaid coverage (or multiple types): 21.5% (North Carolina: 19.2%)
> Americans under 65, VA coverage (or multiple types): 1.6% (North Carolina: 1.7%)
> Americans under 65, employer-based insurance (or multiple types): 55.1% (North Carolina: 56.7%)
> Americans under 65, direct-purchase insurance (or multiple types): 9.0% (North Carolina: 10.7%)
> Americans under 65, Tricare/military insurance (or many types): 1.0% (North Carolina: 3.6%)
Source: DenisTangneyJr / iStock Unreleased via Getty Images
North Dakota: Fargo
> Americans under 65, no health insurance: 5.6% (North Dakota: 8.1%)
> Americans under 65, Medicare coverage (or multiple types): 1.8% (North Dakota: 2.0%)
> Americans under 65, Medicaid coverage (or multiple types): 14.2% (North Dakota: 12.4%)
> Americans under 65, VA coverage (or multiple types): 1.0% (North Dakota: 1.6%)
> Americans under 65, employer-based insurance (or multiple types): 73.5% (North Dakota: 68.3%)
> Americans under 65, direct-purchase insurance (or multiple types): 10.2% (North Dakota: 13.6%)
> Americans under 65, Tricare/military insurance (or many types): 2.7% (North Dakota: 3.5%)
[in-text-ad-2]
Source: ehrlif / iStock Editorial via Getty Images
Ohio: Mansfield
> Americans under 65, no health insurance: 9.0% (Ohio: 7.8%)
> Americans under 65, Medicare coverage (or multiple types): 4.0% (Ohio: 3.1%)
> Americans under 65, Medicaid coverage (or multiple types): 26.8% (Ohio: 22.2%)
> Americans under 65, VA coverage (or multiple types): 2.0% (Ohio: 1.2%)
> Americans under 65, employer-based insurance (or multiple types): 59.9% (Ohio: 64.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 8.1% (Ohio: 7.3%)
> Americans under 65, Tricare/military insurance (or many types): 1.8% (Ohio: 1.3%)
Source: Kiddo27 / Wikimedia Commons
Oklahoma: Enid
> Americans under 65, no health insurance: 16.4% (Oklahoma: 16.8%)
> Americans under 65, Medicare coverage (or multiple types): 2.4% (Oklahoma: 4.0%)
> Americans under 65, Medicaid coverage (or multiple types): 15.0% (Oklahoma: 18.7%)
> Americans under 65, VA coverage (or multiple types): 0.9% (Oklahoma: 1.9%)
> Americans under 65, employer-based insurance (or multiple types): 57.8% (Oklahoma: 54.8%)
> Americans under 65, direct-purchase insurance (or multiple types): 8.7% (Oklahoma: 9.3%)
> Americans under 65, Tricare/military insurance (or many types): 5.3% (Oklahoma: 3.4%)
[in-text-ad]
Source: Tobias Kleinlercher / Wikimedia Commons
Oregon: Grants Pass
> Americans under 65, no health insurance: 16.6% (Oregon: 8.6%)
> Americans under 65, Medicare coverage (or multiple types): 3.9% (Oregon: 2.7%)
> Americans under 65, Medicaid coverage (or multiple types): 44.5% (Oregon: 23.0%)
> Americans under 65, VA coverage (or multiple types): 1.9% (Oregon: 1.5%)
> Americans under 65, employer-based insurance (or multiple types): 30.9% (Oregon: 61.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 8.0% (Oregon: 9.4%)
> Americans under 65, Tricare/military insurance (or many types): 1.5% (Oregon: 1.4%)
Source: DenisTangneyJr / Getty Images
Pennsylvania: Lancaster
> Americans under 65, no health insurance: 13.3% (Pennsylvania: 7.0%)
> Americans under 65, Medicare coverage (or multiple types): 2.9% (Pennsylvania: 3.3%)
> Americans under 65, Medicaid coverage (or multiple types): 17.4% (Pennsylvania: 22.0%)
> Americans under 65, VA coverage (or multiple types): 0.7% (Pennsylvania: 1.0%)
> Americans under 65, employer-based insurance (or multiple types): 63.4% (Pennsylvania: 65.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 9.4% (Pennsylvania: 9.2%)
> Americans under 65, Tricare/military insurance (or many types): 1.3% (Pennsylvania: 1.1%)
Source: DenisTangneyJr / Getty Images
Rhode Island: Providence-Warwick*
> Americans under 65, no health insurance: 4.4% (Rhode Island: 4.8%)
> Americans under 65, Medicare coverage (or multiple types): 3.9% (Rhode Island: 3.9%)
> Americans under 65, Medicaid coverage (or multiple types): 24.6% (Rhode Island: 21.6%)
> Americans under 65, VA coverage (or multiple types): 0.7% (Rhode Island: 0.7%)
> Americans under 65, employer-based insurance (or multiple types): 65.4% (Rhode Island: 66.8%)
> Americans under 65, direct-purchase insurance (or multiple types): 11.0% (Rhode Island: 11.7%)
> Americans under 65, Tricare/military insurance (or many types): 1.1% (Rhode Island: 1.3%)
*Because Providence-Warwick is the only eligible metro in Rhode Island, it is the metro with the worst health insurance coverage by default.
[in-text-ad-2]
Source: Sean Pavone / Getty Images
South Carolina: Myrtle Beach-Conway-North Myrtle Beach
> Americans under 65, no health insurance: 18.2% (South Carolina: 13.2%)
> Americans under 65, Medicare coverage (or multiple types): 4.3% (South Carolina: 3.7%)
> Americans under 65, Medicaid coverage (or multiple types): 20.4% (South Carolina: 20.2%)
> Americans under 65, VA coverage (or multiple types): 2.6% (South Carolina: 1.8%)
> Americans under 65, employer-based insurance (or multiple types): 48.5% (South Carolina: 57.0%)
> Americans under 65, direct-purchase insurance (or multiple types): 13.0% (South Carolina: 10.1%)
> Americans under 65, Tricare/military insurance (or many types): 2.8% (South Carolina: 3.7%)
Source: peeterv / Getty Images
South Dakota: Rapid City
> Americans under 65, no health insurance: 12.8% (South Dakota: 12.2%)
> Americans under 65, Medicare coverage (or multiple types): 3.4% (South Dakota: 2.9%)
> Americans under 65, Medicaid coverage (or multiple types): 14.7% (South Dakota: 14.2%)
> Americans under 65, VA coverage (or multiple types): 3.9% (South Dakota: 1.8%)
> Americans under 65, employer-based insurance (or multiple types): 59.5% (South Dakota: 61.8%)
> Americans under 65, direct-purchase insurance (or multiple types): 12.2% (South Dakota: 12.8%)
> Americans under 65, Tricare/military insurance (or many types): 6.5% (South Dakota: 2.9%)
[in-text-ad]
Source: Public Domain / Wikimedia Commons
Tennessee: Morristown
> Americans under 65, no health insurance: 15.3% (Tennessee: 12.1%)
> Americans under 65, Medicare coverage (or multiple types): 5.9% (Tennessee: 3.4%)
> Americans under 65, Medicaid coverage (or multiple types): 28.0% (Tennessee: 21.0%)
> Americans under 65, VA coverage (or multiple types): 1.6% (Tennessee: 1.6%)
> Americans under 65, employer-based insurance (or multiple types): 47.8% (Tennessee: 58.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 7.5% (Tennessee: 9.6%)
> Americans under 65, Tricare/military insurance (or many types): 1.2% (Tennessee: 2.9%)
Source: DenisTangneyJr / Getty Images
Texas: McAllen-Edinburg-Mission
> Americans under 65, no health insurance: 35.7% (Texas: 20.8%)
> Americans under 65, Medicare coverage (or multiple types): 3.1% (Texas: 2.3%)
> Americans under 65, Medicaid coverage (or multiple types): 27.0% (Texas: 16.2%)
> Americans under 65, VA coverage (or multiple types): 0.6% (Texas: 1.4%)
> Americans under 65, employer-based insurance (or multiple types): 30.8% (Texas: 54.8%)
> Americans under 65, direct-purchase insurance (or multiple types): 6.5% (Texas: 8.6%)
> Americans under 65, Tricare/military insurance (or many types): 0.8% (Texas: 2.3%)
Source: Eddie Maloney from North Las Vegas, USA / Wikimedia Commons
Utah: St. George
> Americans under 65, no health insurance: 18.4% (Utah: 10.8%)
> Americans under 65, Medicare coverage (or multiple types): 2.0% (Utah: 1.5%)
> Americans under 65, Medicaid coverage (or multiple types): 11.0% (Utah: 9.8%)
> Americans under 65, VA coverage (or multiple types): 1.1% (Utah: 0.8%)
> Americans under 65, employer-based insurance (or multiple types): 56.6% (Utah: 68.8%)
> Americans under 65, direct-purchase insurance (or multiple types): 15.9% (Utah: 12.5%)
> Americans under 65, Tricare/military insurance (or many types): 1.3% (Utah: 1.9%)
[in-text-ad-2]
Source: Sean Pavone / Getty Images
Vermont: Burlington-South Burlington*
> Americans under 65, no health insurance: 4.3% (Vermont: 5.6%)
> Americans under 65, Medicare coverage (or multiple types): 2.6% (Vermont: 4.1%)
> Americans under 65, Medicaid coverage (or multiple types): 21.5% (Vermont: 25.8%)
> Americans under 65, VA coverage (or multiple types): 0.9% (Vermont: 1.1%)
> Americans under 65, employer-based insurance (or multiple types): 66.9% (Vermont: 60.6%)
> Americans under 65, direct-purchase insurance (or multiple types): 10.0% (Vermont: 10.3%)
> Americans under 65, Tricare/military insurance (or many types): 1.5% (Vermont: 1.6%)
*Because Burlington-South Burlington is the only eligible metro in Vermont, it is the metro with the worst health insurance coverage by default.
Source: BOB WESTON / Getty Images
Virginia: Harrisonburg
> Americans under 65, no health insurance: 10.3% (Virginia: 9.3%)
> Americans under 65, Medicare coverage (or multiple types): 2.5% (Virginia: 2.8%)
> Americans under 65, Medicaid coverage (or multiple types): 17.0% (Virginia: 14.5%)
> Americans under 65, VA coverage (or multiple types): 1.7% (Virginia: 2.3%)
> Americans under 65, employer-based insurance (or multiple types): 62.0% (Virginia: 64.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 13.7% (Virginia: 9.3%)
> Americans under 65, Tricare/military insurance (or many types): 1.5% (Virginia: 6.9%)
[in-text-ad]
Source: BehindTheLens / Getty Images
Washington: Yakima
> Americans under 65, no health insurance: 15.8% (Washington: 7.7%)
> Americans under 65, Medicare coverage (or multiple types): 3.3% (Washington: 2.4%)
> Americans under 65, Medicaid coverage (or multiple types): 36.3% (Washington: 21.4%)
> Americans under 65, VA coverage (or multiple types): 0.9% (Washington: 1.5%)
> Americans under 65, employer-based insurance (or multiple types): 42.9% (Washington: 63.7%)
> Americans under 65, direct-purchase insurance (or multiple types): 5.9% (Washington: 8.3%)
> Americans under 65, Tricare/military insurance (or many types): 0.5% (Washington: 3.4%)
West Virginia: Weirton-Steubenville
> Americans under 65, no health insurance: 11.0% (West Virginia: 8.3%)
> Americans under 65, Medicare coverage (or multiple types): 3.8% (West Virginia: 5.5%)
> Americans under 65, Medicaid coverage (or multiple types): 25.8% (West Virginia: 30.0%)
> Americans under 65, VA coverage (or multiple types): 1.7% (West Virginia: 2.2%)
> Americans under 65, employer-based insurance (or multiple types): 57.3% (West Virginia: 57.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 6.1% (West Virginia: 5.7%)
> Americans under 65, Tricare/military insurance (or many types): 2.0% (West Virginia: 1.8%)
Source: Thieded / Wikimedia Commons
Wisconsin: Eau Claire
> Americans under 65, no health insurance: 8.8% (Wisconsin: 6.8%)
> Americans under 65, Medicare coverage (or multiple types): 2.7% (Wisconsin: 2.7%)
> Americans under 65, Medicaid coverage (or multiple types): 18.1% (Wisconsin: 17.6%)
> Americans under 65, VA coverage (or multiple types): 1.5% (Wisconsin: 1.1%)
> Americans under 65, employer-based insurance (or multiple types): 64.5% (Wisconsin: 69.5%)
> Americans under 65, direct-purchase insurance (or multiple types): 10.8% (Wisconsin: 8.8%)
> Americans under 65, Tricare/military insurance (or many types): 2.1% (Wisconsin: 1.0%)
[in-text-ad-2]
Source: Public Domain / Wikimedia Commons
Wyoming: Casper
> Americans under 65, no health insurance: 14.5% (Wyoming: 14.8%)
> Americans under 65, Medicare coverage (or multiple types): 2.3% (Wyoming: 2.4%)
> Americans under 65, Medicaid coverage (or multiple types): 15.5% (Wyoming: 12.3%)
> Americans under 65, VA coverage (or multiple types): 1.4% (Wyoming: 1.7%)
> Americans under 65, employer-based insurance (or multiple types): 64.3% (Wyoming: 62.6%)
> Americans under 65, direct-purchase insurance (or multiple types): 7.1% (Wyoming: 10.8%)
> Americans under 65, Tricare/military insurance (or many types): 0.7% (Wyoming: 2.8%)
Methodology
To determine the metro with the worst health insurance coverage in every state, 24/7 Wall St. reviewed one-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.Â
We used the 384 metropolitan statistical areas as delineated by the United States Office of Management and Budget and used by the Census Bureau as our definition of metros.Â
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.Â
Each metro was ranked within its state by its under 65 uninsured rate. Since many metros cross state lines, the metro was assigned to the state of its first-listed principal city. Thus, the Washington-Arlington-Alexandria, DC-VA-MD-WV metro area was excluded as it is principally in the District of Columbia.Â
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 one-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.
Sponsored: Attention Savvy Investors: Speak to 3 Financial Experts – FREE
Ever wanted an extra set of eyes on an investment you’re considering? Now you can speak with up to 3 financial experts in your area for FREE. By simply
clicking here you can begin to match with financial professionals who can help guide you through the financial decisions you’re making. And the best part? The first conversation with them is free.
Click here to match with up to 3 financial pros who would be excited to help you make financial decisions.
Thank you for reading! Have some feedback for us?
Contact the 24/7 Wall St. editorial team.
Editors' Picks
