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 town in every state with the best health insurance coverage. We included cities, towns, villages, and unincorporated communities with populations between 1,000 and 25,000 in our analysis.
The highest uninsured rate among the towns on this list is just 5.2% — about half the comparable national rate. In over a dozen towns on this list, the uninsured rate is effectively zero.
Click here to see the town with the worst health insurance coverage in every state
Click here to read our detailed methodology
Source: Public Domain / Wikimedia Commons
Alabama: Daleville
> Americans under 65, no health insurance: 31.3% (Alabama: 11.3%)
> Americans under 65, Medicare coverage (or multiple types): 9.2% (Alabama: 4.9%)
> Americans under 65, Medicaid coverage (or multiple types): 26.6% (Alabama: 20.9%)
> Americans under 65, VA coverage (or multiple types): 3.3% (Alabama: 1.7%)
> Americans under 65, employer-based insurance (or multiple types): 29.5% (Alabama: 57.8%)
> Americans under 65, direct-purchase insurance (or multiple types): 5.2% (Alabama: 10.5%)
> Americans under 65, Tricare/military insurance (or many types): 14.4% (Alabama: 3.3%)
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Source: Vipersniper / iStock via Getty Images
Alaska: Sand Point
> Americans under 65, no health insurance: 55.4% (Alaska: 15.3%)
> Americans under 65, Medicare coverage (or multiple types): 0.9% (Alaska: 1.9%)
> Americans under 65, Medicaid coverage (or multiple types): 14.6% (Alaska: 21.1%)
> Americans under 65, VA coverage (or multiple types): 0.8% (Alaska: 3.0%)
> Americans under 65, employer-based insurance (or multiple types): 25.9% (Alaska: 54.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 3.6% (Alaska: 6.9%)
> Americans under 65, Tricare/military insurance (or many types): 0.8% (Alaska: 9.6%)
Source: Faina Gurevich / Getty Images
Arizona: Arivaca Junction
> Americans under 65, no health insurance: 59.5% (Arizona: 12.4%)
> Americans under 65, Medicare coverage (or multiple types): 0.7% (Arizona: 2.6%)
> Americans under 65, Medicaid coverage (or multiple types): 21.9% (Arizona: 24.1%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (Arizona: 1.5%)
> Americans under 65, employer-based insurance (or multiple types): 8.6% (Arizona: 55.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 9.3% (Arizona: 9.7%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Arizona: 2.4%)
Source: RoschetzkyIstockPhoto / iStock via Getty Images
Arkansas: Eureka Springs
> Americans under 65, no health insurance: 27.4% (Arkansas: 10.1%)
> Americans under 65, Medicare coverage (or multiple types): 7.5% (Arkansas: 5.1%)
> Americans under 65, Medicaid coverage (or multiple types): 32.5% (Arkansas: 28.6%)
> Americans under 65, VA coverage (or multiple types): 3.1% (Arkansas: 1.8%)
> Americans under 65, employer-based insurance (or multiple types): 30.0% (Arkansas: 51.8%)
> Americans under 65, direct-purchase insurance (or multiple types): 7.9% (Arkansas: 10.2%)
> Americans under 65, Tricare/military insurance (or many types): 1.5% (Arkansas: 2.3%)
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Source: RiverNorthPhotography / Getty Images
California: Mammoth Lakes
> Americans under 65, no health insurance: 24.1% (California: 8.6%)
> Americans under 65, Medicare coverage (or multiple types): 1.0% (California: 2.2%)
> Americans under 65, Medicaid coverage (or multiple types): 18.5% (California: 27.1%)
> Americans under 65, VA coverage (or multiple types): 1.4% (California: 0.9%)
> Americans under 65, employer-based insurance (or multiple types): 44.7% (California: 55.7%)
> Americans under 65, direct-purchase insurance (or multiple types): 12.4% (California: 10.9%)
> Americans under 65, Tricare/military insurance (or many types): 1.7% (California: 1.4%)
Source: By Jeffrey Beall - Own work, CC BY 4.0, https://commons.wikimedia.org/w/index.php?curid=81350135 / Wikimedia Commons
Colorado: Towaoc
> Americans under 65, no health insurance: 31.6% (Colorado: 8.7%)
> Americans under 65, Medicare coverage (or multiple types): 4.5% (Colorado: 2.1%)
> Americans under 65, Medicaid coverage (or multiple types): 44.5% (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): 22.1% (Colorado: 60.5%)
> Americans under 65, direct-purchase insurance (or multiple types): 0.5% (Colorado: 11.4%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Colorado: 3.5%)
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Source: Public Domain / Wikimedia Commons
Connecticut: Byram
> Americans under 65, no health insurance: 19.9% (Connecticut: 6.3%)
> Americans under 65, Medicare coverage (or multiple types): 1.0% (Connecticut: 2.4%)
> Americans under 65, Medicaid coverage (or multiple types): 22.1% (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): 49.5% (Connecticut: 65.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 9.8% (Connecticut: 9.4%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Connecticut: 1.0%)
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Delaware: Georgetown
> Americans under 65, no health insurance: 22.8% (Delaware: 6.8%)
> Americans under 65, Medicare coverage (or multiple types): 3.7% (Delaware: 3.3%)
> Americans under 65, Medicaid coverage (or multiple types): 42.8% (Delaware: 22.5%)
> Americans under 65, VA coverage (or multiple types): 0.3% (Delaware: 1.0%)
> Americans under 65, employer-based insurance (or multiple types): 32.5% (Delaware: 64.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 1.6% (Delaware: 8.6%)
> Americans under 65, Tricare/military insurance (or many types): 0.1% (Delaware: 2.6%)
Source: Ebyabe / Wikimedia Commons
Florida: Suncoast Estates
> Americans under 65, no health insurance: 46.4% (Florida: 15.7%)
> Americans under 65, Medicare coverage (or multiple types): 4.7% (Florida: 3.1%)
> Americans under 65, Medicaid coverage (or multiple types): 34.8% (Florida: 19.2%)
> Americans under 65, VA coverage (or multiple types): 1.3% (Florida: 1.6%)
> Americans under 65, employer-based insurance (or multiple types): 16.8% (Florida: 50.6%)
> Americans under 65, direct-purchase insurance (or multiple types): 4.5% (Florida: 14.5%)
> Americans under 65, Tricare/military insurance (or many types): 1.5% (Florida: 2.7%)
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Source: Larry Felton Johnson, Cobb County Courier / Wikimedia Commons
Georgia: Fair Oaks
> Americans under 65, no health insurance: 46.9% (Georgia: 15.2%)
> Americans under 65, Medicare coverage (or multiple types): 6.0% (Georgia: 3.0%)
> Americans under 65, Medicaid coverage (or multiple types): 22.1% (Georgia: 17.9%)
> Americans under 65, VA coverage (or multiple types): 0.2% (Georgia: 1.5%)
> Americans under 65, employer-based insurance (or multiple types): 21.5% (Georgia: 56.9%)
> Americans under 65, direct-purchase insurance (or multiple types): 5.1% (Georgia: 10.2%)
> Americans under 65, Tricare/military insurance (or many types): 1.8% (Georgia: 3.4%)
Source: By travisthurston+ - self-made, CC BY-SA 3.0, https://en.wikipedia.org/w/index.php?curid=15478409 / Wikimedia Commons
Hawaii: Honaunau-Napoopoo
> Americans under 65, no health insurance: 12.6% (Hawaii: 4.6%)
> Americans under 65, Medicare coverage (or multiple types): 0.7% (Hawaii: 1.8%)
> Americans under 65, Medicaid coverage (or multiple types): 26.0% (Hawaii: 19.0%)
> Americans under 65, VA coverage (or multiple types): 1.1% (Hawaii: 1.5%)
> Americans under 65, employer-based insurance (or multiple types): 51.8% (Hawaii: 66.3%)
> Americans under 65, direct-purchase insurance (or multiple types): 11.9% (Hawaii: 9.5%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Hawaii: 8.8%)
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Source: knowlesgallery / iStock via Getty Images
Idaho: Lapwai
> Americans under 65, no health insurance: 36.5% (Idaho: 12.4%)
> Americans under 65, Medicare coverage (or multiple types): 3.7% (Idaho: 2.8%)
> Americans under 65, Medicaid coverage (or multiple types): 25.4% (Idaho: 18.2%)
> Americans under 65, VA coverage (or multiple types): 0.3% (Idaho: 1.6%)
> Americans under 65, employer-based insurance (or multiple types): 38.0% (Idaho: 57.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 4.9% (Idaho: 13.8%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Idaho: 2.5%)
Source: Courtesy of Village of Stone Park via Facebook
Illinois: Stone Park
> Americans under 65, no health insurance: 31.2% (Illinois: 7.9%)
> Americans under 65, Medicare coverage (or multiple types): 2.8% (Illinois: 2.4%)
> Americans under 65, Medicaid coverage (or multiple types): 36.6% (Illinois: 21.0%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (Illinois: 0.8%)
> Americans under 65, employer-based insurance (or multiple types): 28.3% (Illinois: 63.6%)
> Americans under 65, direct-purchase insurance (or multiple types): 3.7% (Illinois: 9.5%)
> Americans under 65, Tricare/military insurance (or many types): 0.2% (Illinois: 0.9%)
Source: By Nyttend - Own work, Public Domain, https://commons.wikimedia.org/w/index.php?curid=20103822 / Wikimedia Commons
Indiana: Monon
> Americans under 65, no health insurance: 28.7% (Indiana: 9.8%)
> Americans under 65, Medicare coverage (or multiple types): 2.7% (Indiana: 3.2%)
> Americans under 65, Medicaid coverage (or multiple types): 24.9% (Indiana: 19.1%)
> Americans under 65, VA coverage (or multiple types): 0.4% (Indiana: 1.2%)
> Americans under 65, employer-based insurance (or multiple types): 45.0% (Indiana: 64.2%)
> Americans under 65, direct-purchase insurance (or multiple types): 4.8% (Indiana: 8.8%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Indiana: 1.2%)
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Source: By Jared Winkler - Own work, CC BY-SA 4.0, https://commons.wikimedia.org/w/index.php?curid=85732196 / Wikimedia Commons
Iowa: Lenox
> Americans under 65, no health insurance: 26.1% (Iowa: 5.5%)
> Americans under 65, Medicare coverage (or multiple types): 2.5% (Iowa: 2.5%)
> Americans under 65, Medicaid coverage (or multiple types): 15.0% (Iowa: 20.4%)
> Americans under 65, VA coverage (or multiple types): 0.5% (Iowa: 1.1%)
> Americans under 65, employer-based insurance (or multiple types): 51.3% (Iowa: 67.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 9.5% (Iowa: 10.6%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Iowa: 1.3%)
Source: Spacini / Wikimedia Commons
Kansas: Elkhart
> Americans under 65, no health insurance: 23.6% (Kansas: 10.3%)
> Americans under 65, Medicare coverage (or multiple types): 3.7% (Kansas: 2.7%)
> Americans under 65, Medicaid coverage (or multiple types): 13.3% (Kansas: 14.5%)
> Americans under 65, VA coverage (or multiple types): 0.6% (Kansas: 1.4%)
> Americans under 65, employer-based insurance (or multiple types): 58.7% (Kansas: 65.2%)
> Americans under 65, direct-purchase insurance (or multiple types): 6.3% (Kansas: 11.4%)
> Americans under 65, Tricare/military insurance (or many types): 1.1% (Kansas: 3.4%)
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Source: By I, W.marsh, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=2434009 / Wikimedia Commons
Kentucky: Warsaw
> Americans under 65, no health insurance: 28.2% (Kentucky: 6.7%)
> Americans under 65, Medicare coverage (or multiple types): 7.1% (Kentucky: 5.0%)
> Americans under 65, Medicaid coverage (or multiple types): 26.9% (Kentucky: 28.5%)
> Americans under 65, VA coverage (or multiple types): 1.3% (Kentucky: 1.5%)
> Americans under 65, employer-based insurance (or multiple types): 40.4% (Kentucky: 57.3%)
> Americans under 65, direct-purchase insurance (or multiple types): 2.1% (Kentucky: 8.2%)
> Americans under 65, Tricare/military insurance (or many types): 0.3% (Kentucky: 2.3%)
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Source: By Bob McMillan - This image is from the FEMA Photo Library., Public Domain, https://commons.wikimedia.org/w/index.php?curid=8073970 / Wikimedia Commons
Louisiana: Montegut
> Americans under 65, no health insurance: 29.3% (Louisiana: 11.0%)
> Americans under 65, Medicare coverage (or multiple types): 9.5% (Louisiana: 4.0%)
> Americans under 65, Medicaid coverage (or multiple types): 26.8% (Louisiana: 28.4%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (Louisiana: 1.3%)
> Americans under 65, employer-based insurance (or multiple types): 36.2% (Louisiana: 52.3%)
> Americans under 65, direct-purchase insurance (or multiple types): 8.6% (Louisiana: 9.6%)
> Americans under 65, Tricare/military insurance (or many types): 1.8% (Louisiana: 2.2%)
Maine: Millinocket
> Americans under 65, no health insurance: 20.2% (Maine: 9.8%)
> Americans under 65, Medicare coverage (or multiple types): 15.7% (Maine: 4.5%)
> Americans under 65, Medicaid coverage (or multiple types): 34.4% (Maine: 19.3%)
> Americans under 65, VA coverage (or multiple types): 4.5% (Maine: 1.8%)
> Americans under 65, employer-based insurance (or multiple types): 35.5% (Maine: 61.5%)
> Americans under 65, direct-purchase insurance (or multiple types): 13.9% (Maine: 11.0%)
> Americans under 65, Tricare/military insurance (or many types): 1.4% (Maine: 2.3%)
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Maryland: Langley Park
> Americans under 65, no health insurance: 46.0% (Maryland: 6.9%)
> Americans under 65, Medicare coverage (or multiple types): 0.4% (Maryland: 2.6%)
> Americans under 65, Medicaid coverage (or multiple types): 35.1% (Maryland: 19.1%)
> Americans under 65, VA coverage (or multiple types): 0.2% (Maryland: 1.2%)
> Americans under 65, employer-based insurance (or multiple types): 15.9% (Maryland: 65.7%)
> Americans under 65, direct-purchase insurance (or multiple types): 3.3% (Maryland: 9.6%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Maryland: 3.1%)
Massachusetts: Vineyard Haven
> Americans under 65, no health insurance: 13.0% (Massachusetts: 3.2%)
> Americans under 65, Medicare coverage (or multiple types): 2.3% (Massachusetts: 2.5%)
> Americans under 65, Medicaid coverage (or multiple types): 23.4% (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): 55.7% (Massachusetts: 67.5%)
> Americans under 65, direct-purchase insurance (or multiple types): 13.6% (Massachusetts: 9.9%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Massachusetts: 0.8%)
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Michigan: Three Oaks
> Americans under 65, no health insurance: 17.5% (Michigan: 6.5%)
> Americans under 65, Medicare coverage (or multiple types): 3.3% (Michigan: 3.7%)
> Americans under 65, Medicaid coverage (or multiple types): 25.4% (Michigan: 24.2%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (Michigan: 1.0%)
> Americans under 65, employer-based insurance (or multiple types): 51.0% (Michigan: 63.3%)
> Americans under 65, direct-purchase insurance (or multiple types): 12.0% (Michigan: 9.1%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Michigan: 0.9%)
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Source: By Crash over ride at the English-language Wikipedia, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=3770655 / Wikimedia Commons
Minnesota: Little Rock
> Americans under 65, no health insurance: 38.2% (Minnesota: 5.2%)
> Americans under 65, Medicare coverage (or multiple types): 4.0% (Minnesota: 2.1%)
> Americans under 65, Medicaid coverage (or multiple types): 41.9% (Minnesota: 19.4%)
> Americans under 65, VA coverage (or multiple types): 1.8% (Minnesota: 1.0%)
> Americans under 65, employer-based insurance (or multiple types): 15.3% (Minnesota: 68.6%)
> Americans under 65, direct-purchase insurance (or multiple types): 0.0% reported (Minnesota: 9.9%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Minnesota: 1.0%)
Source: By NatalieMaynor from Jackson, Mississippi, USA - Pine Ridge CemeteryUploaded by AlbertHerring, CC BY 2.0, https://commons.wikimedia.org/w/index.php?curid=29464149 / Wikimedia Commons
Mississippi: Conehatta
> Americans under 65, no health insurance: 40.8% (Mississippi: 14.5%)
> Americans under 65, Medicare coverage (or multiple types): 0.8% (Mississippi: 4.7%)
> Americans under 65, Medicaid coverage (or multiple types): 32.3% (Mississippi: 25.1%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (Mississippi: 1.4%)
> Americans under 65, employer-based insurance (or multiple types): 28.7% (Mississippi: 51.2%)
> Americans under 65, direct-purchase insurance (or multiple types): 0.4% (Mississippi: 9.5%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Mississippi: 3.0%)
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Source: By Kbh3rd - Own work, CC BY 4.0, https://commons.wikimedia.org/w/index.php?curid=44432163 / Wikimedia Commons
Missouri: Merriam Woods
> Americans under 65, no health insurance: 30.4% (Missouri: 11.1%)
> Americans under 65, Medicare coverage (or multiple types): 3.4% (Missouri: 3.8%)
> Americans under 65, Medicaid coverage (or multiple types): 31.6% (Missouri: 15.8%)
> Americans under 65, VA coverage (or multiple types): 1.9% (Missouri: 1.4%)
> Americans under 65, employer-based insurance (or multiple types): 28.0% (Missouri: 62.9%)
> Americans under 65, direct-purchase insurance (or multiple types): 7.8% (Missouri: 10.5%)
> Americans under 65, Tricare/military insurance (or many types): 0.3% (Missouri: 2.0%)
Source: Loco Steve / Flickr
Montana: North Browning
> Americans under 65, no health insurance: 58.2% (Montana: 10.9%)
> Americans under 65, Medicare coverage (or multiple types): 1.4% (Montana: 3.0%)
> Americans under 65, Medicaid coverage (or multiple types): 28.4% (Montana: 21.4%)
> Americans under 65, VA coverage (or multiple types): 0.8% (Montana: 2.1%)
> Americans under 65, employer-based insurance (or multiple types): 11.2% (Montana: 54.9%)
> Americans under 65, direct-purchase insurance (or multiple types): 2.0% (Montana: 13.9%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Montana: 3.0%)
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Source: Jared Winkler / Wikimedia Commons
Nebraska: Terrytown
> Americans under 65, no health insurance: 22.4% (Nebraska: 9.5%)
> Americans under 65, Medicare coverage (or multiple types): 4.6% (Nebraska: 2.2%)
> Americans under 65, Medicaid coverage (or multiple types): 26.5% (Nebraska: 13.4%)
> Americans under 65, VA coverage (or multiple types): 1.3% (Nebraska: 1.4%)
> Americans under 65, employer-based insurance (or multiple types): 41.0% (Nebraska: 66.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 9.6% (Nebraska: 12.9%)
> Americans under 65, Tricare/military insurance (or many types): 1.5% (Nebraska: 2.7%)
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Nevada: Lemmon Valley
> Americans under 65, no health insurance: 25.6% (Nevada: 12.9%)
> Americans under 65, Medicare coverage (or multiple types): 4.2% (Nevada: 2.5%)
> Americans under 65, Medicaid coverage (or multiple types): 10.3% (Nevada: 20.0%)
> Americans under 65, VA coverage (or multiple types): 1.3% (Nevada: 1.7%)
> Americans under 65, employer-based insurance (or multiple types): 55.0% (Nevada: 58.7%)
> Americans under 65, direct-purchase insurance (or multiple types): 4.8% (Nevada: 9.1%)
> Americans under 65, Tricare/military insurance (or many types): 1.4% (Nevada: 2.7%)
New Hampshire: Winchester
> Americans under 65, no health insurance: 22.0% (New Hampshire: 7.1%)
> Americans under 65, Medicare coverage (or multiple types): 6.8% (New Hampshire: 3.2%)
> Americans under 65, Medicaid coverage (or multiple types): 38.7% (New Hampshire: 14.6%)
> Americans under 65, VA coverage (or multiple types): 2.5% (New Hampshire: 1.3%)
> Americans under 65, employer-based insurance (or multiple types): 29.0% (New Hampshire: 69.8%)
> Americans under 65, direct-purchase insurance (or multiple types): 4.4% (New Hampshire: 9.3%)
> Americans under 65, Tricare/military insurance (or many types): 2.8% (New Hampshire: 1.5%)
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Source: Ultima_Gaina / iStock via Getty Images
New Jersey: Dover
> Americans under 65, no health insurance: 26.5% (New Jersey: 9.0%)
> Americans under 65, Medicare coverage (or multiple types): 3.7% (New Jersey: 2.4%)
> Americans under 65, Medicaid coverage (or multiple types): 18.0% (New Jersey: 17.7%)
> Americans under 65, VA coverage (or multiple types): 0.6% (New Jersey: 0.4%)
> Americans under 65, employer-based insurance (or multiple types): 48.7% (New Jersey: 66.5%)
> Americans under 65, direct-purchase insurance (or multiple types): 7.1% (New Jersey: 8.9%)
> Americans under 65, Tricare/military insurance (or many types): 0.1% (New Jersey: 0.7%)
Source: pauljill / Flickr
New Mexico: San Felipe Pueblo
> Americans under 65, no health insurance: 53.8% (New Mexico: 11.4%)
> Americans under 65, Medicare coverage (or multiple types): 3.4% (New Mexico: 3.6%)
> Americans under 65, Medicaid coverage (or multiple types): 31.0% (New Mexico: 35.6%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (New Mexico: 1.7%)
> Americans under 65, employer-based insurance (or multiple types): 18.2% (New Mexico: 46.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 1.7% (New Mexico: 8.0%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (New Mexico: 3.3%)
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Source: By English Wikipedia user Daniel Case, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=4519671 / Wikimedia Commons
New York: Brewster
> Americans under 65, no health insurance: 28.2% (New York: 6.7%)
> Americans under 65, Medicare coverage (or multiple types): 5.4% (New York: 2.8%)
> Americans under 65, Medicaid coverage (or multiple types): 38.6% (New York: 26.9%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (New York: 0.6%)
> Americans under 65, employer-based insurance (or multiple types): 33.9% (New York: 59.7%)
> Americans under 65, direct-purchase insurance (or multiple types): 5.3% (New York: 10.8%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (New York: 0.7%)
Source: Milepost430Media / iStock via Getty Images
North Carolina: Cherokee
> Americans under 65, no health insurance: 44.0% (North Carolina: 12.6%)
> Americans under 65, Medicare coverage (or multiple types): 5.1% (North Carolina: 3.5%)
> Americans under 65, Medicaid coverage (or multiple types): 15.9% (North Carolina: 19.4%)
> Americans under 65, VA coverage (or multiple types): 0.6% (North Carolina: 1.7%)
> Americans under 65, employer-based insurance (or multiple types): 36.0% (North Carolina: 55.9%)
> Americans under 65, direct-purchase insurance (or multiple types): 1.0% (North Carolina: 11.7%)
> Americans under 65, Tricare/military insurance (or many types): 1.1% (North Carolina: 3.8%)
North Dakota: Shell Valley
> Americans under 65, no health insurance: 35.8% (North Dakota: 8.5%)
> Americans under 65, Medicare coverage (or multiple types): 4.3% (North Dakota: 2.1%)
> Americans under 65, Medicaid coverage (or multiple types): 39.2% (North Dakota: 11.4%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (North Dakota: 1.4%)
> Americans under 65, employer-based insurance (or multiple types): 20.3% (North Dakota: 67.6%)
> Americans under 65, direct-purchase insurance (or multiple types): 0.9% (North Dakota: 14.3%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (North Dakota: 3.4%)
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Source: Kenneth Keifer / Getty Images
Ohio: West Hill
> Americans under 65, no health insurance: 23.9% (Ohio: 7.2%)
> Americans under 65, Medicare coverage (or multiple types): 4.8% (Ohio: 3.3%)
> Americans under 65, Medicaid coverage (or multiple types): 33.5% (Ohio: 22.8%)
> Americans under 65, VA coverage (or multiple types): 3.2% (Ohio: 1.2%)
> Americans under 65, employer-based insurance (or multiple types): 36.2% (Ohio: 64.0%)
> Americans under 65, direct-purchase insurance (or multiple types): 2.6% (Ohio: 7.8%)
> Americans under 65, Tricare/military insurance (or many types): 0.9% (Ohio: 1.2%)
Source: BOB WESTON / iStock via Getty Images
Oklahoma: Wetumka
> Americans under 65, no health insurance: 37.6% (Oklahoma: 16.5%)
> Americans under 65, Medicare coverage (or multiple types): 5.3% (Oklahoma: 3.9%)
> Americans under 65, Medicaid coverage (or multiple types): 29.0% (Oklahoma: 18.8%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (Oklahoma: 1.8%)
> Americans under 65, employer-based insurance (or multiple types): 30.4% (Oklahoma: 54.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 4.2% (Oklahoma: 9.9%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Oklahoma: 3.1%)
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Source: Ron and Patty Thomas / E+ via Getty Images
Oregon: Depoe Bay
> Americans under 65, no health insurance: 21.2% (Oregon: 8.0%)
> Americans under 65, Medicare coverage (or multiple types): 5.5% (Oregon: 2.8%)
> Americans under 65, Medicaid coverage (or multiple types): 16.4% (Oregon: 24.7%)
> Americans under 65, VA coverage (or multiple types): 0.6% (Oregon: 1.6%)
> Americans under 65, employer-based insurance (or multiple types): 50.4% (Oregon: 59.2%)
> Americans under 65, direct-purchase insurance (or multiple types): 12.1% (Oregon: 11.0%)
> Americans under 65, Tricare/military insurance (or many types): 4.7% (Oregon: 1.4%)
Pennsylvania: West Grove
> Americans under 65, no health insurance: 33.8% (Pennsylvania: 6.8%)
> Americans under 65, Medicare coverage (or multiple types): 2.1% (Pennsylvania: 3.2%)
> Americans under 65, Medicaid coverage (or multiple types): 11.4% (Pennsylvania: 21.1%)
> Americans under 65, VA coverage (or multiple types): 0.7% (Pennsylvania: 1.0%)
> Americans under 65, employer-based insurance (or multiple types): 46.2% (Pennsylvania: 65.2%)
> Americans under 65, direct-purchase insurance (or multiple types): 8.1% (Pennsylvania: 10.2%)
> Americans under 65, Tricare/military insurance (or many types): 2.2% (Pennsylvania: 1.0%)
Source: Public Domain / Wikimedia Commons
Rhode Island: Central Falls
> Americans under 65, no health insurance: 18.2% (Rhode Island: 5.3%)
> Americans under 65, Medicare coverage (or multiple types): 5.5% (Rhode Island: 3.4%)
> Americans under 65, Medicaid coverage (or multiple types): 51.6% (Rhode Island: 23.2%)
> Americans under 65, VA coverage (or multiple types): 0.4% (Rhode Island: 1.0%)
> Americans under 65, employer-based insurance (or multiple types): 26.9% (Rhode Island: 64.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 5.2% (Rhode Island: 10.8%)
> Americans under 65, Tricare/military insurance (or many types): 0.4% (Rhode Island: 1.4%)
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South Carolina: Clearwater
> Americans under 65, no health insurance: 32.5% (South Carolina: 12.6%)
> Americans under 65, Medicare coverage (or multiple types): 1.3% (South Carolina: 3.8%)
> Americans under 65, Medicaid coverage (or multiple types): 32.7% (South Carolina: 20.7%)
> Americans under 65, VA coverage (or multiple types): 2.4% (South Carolina: 1.8%)
> Americans under 65, employer-based insurance (or multiple types): 33.9% (South Carolina: 56.5%)
> Americans under 65, direct-purchase insurance (or multiple types): 4.2% (South Carolina: 10.4%)
> Americans under 65, Tricare/military insurance (or many types): 0.5% (South Carolina: 3.7%)
Source: Harry Weddington, U.S. Army Corps of Engineers / Wikimedia Commons
South Dakota: Fort Thompson
> Americans under 65, no health insurance: 44.0% (South Dakota: 11.2%)
> Americans under 65, Medicare coverage (or multiple types): 7.5% (South Dakota: 2.7%)
> Americans under 65, Medicaid coverage (or multiple types): 45.2% (South Dakota: 15.3%)
> Americans under 65, VA coverage (or multiple types): 0.9% (South Dakota: 1.9%)
> Americans under 65, employer-based insurance (or multiple types): 6.3% (South Dakota: 61.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 0.8% (South Dakota: 13.7%)
> Americans under 65, Tricare/military insurance (or many types): 0.3% (South Dakota: 3.4%)
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Source: JodiJacobson / Getty Images
Tennessee: Pigeon Forge
> Americans under 65, no health insurance: 30.3% (Tennessee: 11.4%)
> Americans under 65, Medicare coverage (or multiple types): 3.4% (Tennessee: 3.8%)
> Americans under 65, Medicaid coverage (or multiple types): 32.5% (Tennessee: 21.6%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (Tennessee: 1.6%)
> Americans under 65, employer-based insurance (or multiple types): 33.1% (Tennessee: 57.8%)
> Americans under 65, direct-purchase insurance (or multiple types): 4.5% (Tennessee: 10.1%)
> Americans under 65, Tricare/military insurance (or many types): 1.0% (Tennessee: 2.7%)
Source: iStock / Getty Images
Texas: Citrus City
> Americans under 65, no health insurance: 51.2% (Texas: 19.4%)
> Americans under 65, Medicare coverage (or multiple types): 3.6% (Texas: 2.2%)
> Americans under 65, Medicaid coverage (or multiple types): 41.8% (Texas: 17.2%)
> Americans under 65, VA coverage (or multiple types): 1.0% (Texas: 1.3%)
> Americans under 65, employer-based insurance (or multiple types): 6.6% (Texas: 54.5%)
> Americans under 65, direct-purchase insurance (or multiple types): 0.0% reported (Texas: 9.4%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Texas: 2.3%)
Source: Doug Pensinger / Getty Images Sport via Getty Images
Utah: Moab
> Americans under 65, no health insurance: 31.2% (Utah: 10.4%)
> Americans under 65, Medicare coverage (or multiple types): 4.1% (Utah: 1.5%)
> Americans under 65, Medicaid coverage (or multiple types): 18.1% (Utah: 10.7%)
> Americans under 65, VA coverage (or multiple types): 1.2% (Utah: 0.8%)
> Americans under 65, employer-based insurance (or multiple types): 37.0% (Utah: 68.4%)
> Americans under 65, direct-purchase insurance (or multiple types): 15.1% (Utah: 12.5%)
> Americans under 65, Tricare/military insurance (or many types): 0.2% (Utah: 1.8%)
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Vermont: North Bennington
> Americans under 65, no health insurance: 11.5% (Vermont: 4.8%)
> Americans under 65, Medicare coverage (or multiple types): 3.1% (Vermont: 3.8%)
> Americans under 65, Medicaid coverage (or multiple types): 17.1% (Vermont: 27.1%)
> Americans under 65, VA coverage (or multiple types): 1.5% (Vermont: 1.2%)
> Americans under 65, employer-based insurance (or multiple types): 51.9% (Vermont: 60.5%)
> Americans under 65, direct-purchase insurance (or multiple types): 21.4% (Vermont: 10.1%)
> Americans under 65, Tricare/military insurance (or many types): 0.7% (Vermont: 1.6%)
Source: Mojo Hand / Wikimedia Commons
Virginia: Bensley
> Americans under 65, no health insurance: 30.9% (Virginia: 10.0%)
> Americans under 65, Medicare coverage (or multiple types): 2.8% (Virginia: 2.7%)
> Americans under 65, Medicaid coverage (or multiple types): 32.0% (Virginia: 12.6%)
> Americans under 65, VA coverage (or multiple types): 0.7% (Virginia: 2.1%)
> Americans under 65, employer-based insurance (or multiple types): 32.6% (Virginia: 63.9%)
> Americans under 65, direct-purchase insurance (or multiple types): 4.3% (Virginia: 11.0%)
> Americans under 65, Tricare/military insurance (or many types): 2.2% (Virginia: 7.1%)
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Source: By Publichall - Own work, CC BY-SA 3.0, https://commons.wikimedia.org/w/index.php?curid=8878421 / Wikimedia Commons
Washington: Royal City
> Americans under 65, no health insurance: 37.5% (Washington: 7.3%)
> Americans under 65, Medicare coverage (or multiple types): 1.2% (Washington: 2.5%)
> Americans under 65, Medicaid coverage (or multiple types): 41.6% (Washington: 22.0%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (Washington: 1.6%)
> Americans under 65, employer-based insurance (or multiple types): 19.0% (Washington: 62.3%)
> Americans under 65, direct-purchase insurance (or multiple types): 0.0% reported (Washington: 9.7%)
> Americans under 65, Tricare/military insurance (or many types): 0.7% (Washington: 3.6%)
West Virginia: Newell
> Americans under 65, no health insurance: 16.3% (West Virginia: 7.4%)
> Americans under 65, Medicare coverage (or multiple types): 3.9% (West Virginia: 5.4%)
> Americans under 65, Medicaid coverage (or multiple types): 28.9% (West Virginia: 30.3%)
> Americans under 65, VA coverage (or multiple types): 5.6% (West Virginia: 1.8%)
> Americans under 65, employer-based insurance (or multiple types): 52.1% (West Virginia: 57.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 0.9% (West Virginia: 6.4%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (West Virginia: 1.6%)
Source: Royalbroil / Wikimedia Commons
Wisconsin: Legend Lake
> Americans under 65, no health insurance: 33.8% (Wisconsin: 6.4%)
> Americans under 65, Medicare coverage (or multiple types): 1.9% (Wisconsin: 2.7%)
> Americans under 65, Medicaid coverage (or multiple types): 13.2% (Wisconsin: 18.0%)
> Americans under 65, VA coverage (or multiple types): 0.0% reported (Wisconsin: 1.1%)
> Americans under 65, employer-based insurance (or multiple types): 44.0% (Wisconsin: 69.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 13.4% (Wisconsin: 9.4%)
> Americans under 65, Tricare/military insurance (or many types): 0.0% reported (Wisconsin: 1.0%)
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Source: Lorraine Boogich / iStock via Getty Images
Wyoming: Ethete
> Americans under 65, no health insurance: 44.8% (Wyoming: 13.5%)
> Americans under 65, Medicare coverage (or multiple types): 2.0% (Wyoming: 2.3%)
> Americans under 65, Medicaid coverage (or multiple types): 31.5% (Wyoming: 12.1%)
> Americans under 65, VA coverage (or multiple types): 0.9% (Wyoming: 1.8%)
> Americans under 65, employer-based insurance (or multiple types): 21.8% (Wyoming: 64.1%)
> Americans under 65, direct-purchase insurance (or multiple types): 0.9% (Wyoming: 11.4%)
> Americans under 65, Tricare/military insurance (or many types): 0.2% (Wyoming: 3.0%)
Methodology
To determine the town 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 census “place” geographies — a category that includes 29,573 incorporated legal entities and census-designated statistical entities. Of those, 29,319 had boundaries that fell within one of the 50 states, while the rest were in the District of Columbia or Puerto Rico.
We defined towns based on population thresholds — having at least 1,000 people and less than 25,000 people — and 13,332 of the places fell within these thresholds.
Towns were excluded if the noninstitutionalized civilian population under 65 was less than 1,000 or if the sampling error associated with a town’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 town’s under 65 uninsured rate was above 15% and greater than two standard deviations above the mean CV for all towns’ under 65 uninsured rates. We similarly excluded towns that had a sampling error too high for their under 65 noninstitutionalized civilian population, using the same definition.
We selected the under 65 age group because Americans become eligible for medicare at age 65, and the uninsured rate for the population above this age is less than 1% nationwide. However, because the Census doesn’t publish insurance coverage estimates specifically for the under 65 age group, we aggregated the data from more granular age breakdowns.
To ensure each aggregate estimate’s sampling error could be assessed using the definition above, we derived a margin of error for each aggregate estimate using the successive differences replication variance estimation methodology recommended and used by the U.S. Census Bureau.
The remaining 11,039 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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