Health insurance in Monterey County, California

Reviewed September 4, 2026 · 2024 Census data

Source: US Census Small Area Health Insurance Estimates, 2024 release. Income bands are measured against the federal poverty level.

Most of the uninsured here would qualify for help

Of the 32,903 people without coverage in Monterey County, 18,311 — 56% — earn inside the premium tax credit range. That is near the 51% national median. Within that band itself, 11.7% have no coverage.

How many people here have no coverage

9.3% of Monterey County's 352,397 under-65 residents have no health coverage — 32,903 people. That is above the California rate of 6.9%, and puts Monterey County in the lower half of the 3,143 counties measured nationally (1,720th).

Who falls under the Medicaid line

8,513 of Monterey County's uninsured — 26%, below the 31% typical of counties nationally — earn under $22,025 a year, which in California is Medicaid territory rather than marketplace territory.

The years before Medicare

5,088 people aged 50 to 64 in Monterey County have no coverage, a rate of 7.3% — close to the 9.3% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.

Monterey County against California

Monterey County is the 20th largest of the 34 California counties we publish. Its uninsured rate runs 2.4 points higher than California overall and 3 points more of its uninsured sit in the subsidy band than statewide. Coverage among 50 to 64 year olds matches the California picture.

Counties of a similar size

All California counties · How the credit works · Enrollment dates